Category Archives: John Jastremski

Maintaining Sustainable Withdrawal Rate in Retirement – by John Jastremski

What is a sustainable withdrawal rate? A withdrawal rate is the percentage that is withdrawn each year from an investment portfolio. If you take $20,000 from a $1 million portfolio, your withdrawal rate that year is two percent ($20,000 divided … Continue reading

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Investing as a Couple: Getting to Yes -by John Jastremski

In a perfect world, both halves of a couple share the same investment goals and agree on the best way to try to reach them. It doesn’t always work that way, though; disagreements about money are often a source of … Continue reading

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Value Investing Strategy

Many of the greatest investors (Benjamin Graham, Warren Buffett, and Seth Klarman) that have ever lived have employed some form of value investing as an integral part of their overall stock investing strategy. However, value investing is a broad term … Continue reading

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Medical Professionals: A Prescription for Your Financial Health -by John Jastremski

The demands on medical practitioners today can seem overwhelming. It’s no secret that health-care delivery is changing, and those changes are reflected in the financial issues that health-care professionals face every day. You must continually educate yourself about new research … Continue reading

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Inflation-Fighting TIPS -by John Jastremski

It’s easy to see how inflation affects your daily life. Gas prices are higher. Electric bills are steeper. Wallets are thinner. But what inflation does to your investments isn’t always as obvious. Let’s say your money is earning 4% and … Continue reading

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How Grandparents Can Help Grandchildren With College Costs -by John Jastremski

As the cost of a college education continues to climb, many grandparents are stepping in to help. This trend is expected to accelerate as baby boomers, many of whom went to college, become grandparents and start gifting what’s predicted to … Continue reading

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Protecting Your Savings and Investments -by John Jastremski

In the wake of turbulence in the financial markets, it’s worth reviewing the legal protections available for assets held by banks, credit unions, and securities dealers. Bank/savings and loan deposit accounts Generally, deposit accounts at banks and savings and loans … Continue reading

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Municipal Bond Basics – by John Jastremski

Municipal Bonds and Their Tax Advantages State and local governments often borrow money to supplement tax revenues and to finance projects such as new highways, buildings, or public works improvements. Such bonds are known as municipal bonds (“munis”) or tax-exempt … Continue reading

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Concentrated Stock Positions: Considerations and Strategies -by John Jastremski

Whether you inherited a large holding, exercised options to buy your company’s stock, sold a private business, hold restricted stock, or have benefitted from repeated stock splits over the years, having a large position in a single stock carries unique … Continue reading

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Common Annuity Riders -by John Jastremski

An annuity is a contract between you (the purchaser or owner) and the issuer (an insurance company). In its simplest form, you pay money to the annuity issuer, the issuer invests the money for you, and then the issuer pays … Continue reading

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