Tag Archives: CAM Annuity

Distribution Funds: Putting Income on Autopilot -by John Jastremski

As baby boomers retire, they begin to focus less on accumulating assets and more on how those assets can be converted into an ongoing stream of income. Distribution funds are one way to simplify that process. Distribution funds are actively … Continue reading

Posted in Access.ATT, EISP, Investment, The Retirement Group John Jastremski, Verizon | Tagged , , , , , , , , | Comments Off

Qualified Longevity Annuity Contracts: Income for Later in Life -by John Jastremski

You may hope to live to an old age, but a longer life means that you’ll have even more years of retirement to fund. You may even run the risk of outliving your savings and other income sources. Even though … Continue reading

Posted in 401(k), 72T, CAM Annuity, ERB, Pension Options | Tagged , , , , , , , , , | Comments Off

Immediate Annuities Can Provide Lifetime Income -by John Jastremski

Running out of income is a primary concern for most retirees. Immediate annuities offer a financial alternative to help meet retirement income needs by providing a steady stream of income designed to last through retirement.   What is an immediate … Continue reading

Posted in 401(k), ATT, John Jastremski, The Retirement Group LLC, Verizon | Tagged , , , , , , , , , , | Comments Off

Planning Lessons for Educators: Addressing Your Financial Issues -by John Jastremski

Being an educator requires expertise and that you stay current on developments in your field. However, that level of ongoing attention can make it difficult to find the time to stay on top of issues that affect your finances, or … Continue reading

Posted in 401(k), 72T, ATT, John Jastremski, Qwest | Tagged , , , , , , , , | Comments Off

Holding Equities for the Long Term: Time Versus Timing -by John Jastremski

Legendary investor Warren Buffett is famous for his long-term perspective. He has said that he likes to make investments he would be comfortable holding even if the market shut down for 10 years. Investing with an eye to the long … Continue reading

Posted in 401(k), ATT, Exxonmobil, Pension Option, The Retirement Group LLC | Tagged , , , , , , , , | Comments Off

Do Our Biases Affect Our Financial Choices? -by John Jastremski

Even the most seasoned investors are prone to their influence.   Investors are routinely warned about allowing their emotions to influence their decisions.  They are less routinely cautioned about letting their preconceptions and biases color their financial choices.   In … Continue reading

Posted in 401(k), Economic Report, ESRO, Ira Rollover, John Jastremski | Tagged , , , , , , , , , | Comments Off

Beyond Traditional Asset Classes: Exploring Alternatives -by John Jastremski

Stocks, bonds, and cash are fundamental components of an investment portfolio. However, many other investments can be used to try to spice up returns or reduce overall portfolio risk. So-called alternative assets have become popular in recent years as a … Continue reading

Posted in 401(k), ATT, Economic Report, Qwest, Verizon | Tagged , , , , , , , , , | Comments Off

Rollovers. by John Jastremski

In general, a rollover is the movement of funds from one retirement savings vehicle to another. You may want, or need, to make a rollover for any number of reasons–your employment situation has changed, you want to switch investments, or … Continue reading

Posted in 401(k), ATT, Economic Report, Exxonmobil, Retirement Planning | Tagged , , , , , , , , , | Comments Off

Safe Harbor 401(k) Plans by John Jastremeski

Everyone’s familiar with 401(k) plans. But not everyone knows they come in different flavors. There’s the traditional 401(k), of course. But there are also SIMPLE 401(k)s for small employers, 401(k)s with qualified automatic contribution arrangements (QACAs), and safe harbor 401(k)s. … Continue reading

Posted in 401(k), 72T, ATT, Resources.Hewitt, The Retirement Group LLC | Tagged , , , , , , , , , | Comments Off

Understanding the Net Investment Income Tax- By John Jastremski

If your income hits a certain level, you may face an additional wrinkle in calculating your taxes: the net investment income tax (also referred to as the unearned income Medicare contribution tax). This 3.8% Medicare tax applies to some or … Continue reading

Posted in Economic Report, EIPP, EISP, Pension Option, The Retirement Group John Jastremski | Tagged , , , , , , , , , | Comments Off