Tag Archives: EISP

Converting Savings to Retirement Income -by John Jastremski

During your working years, you’ve probably set aside funds in retirement accounts such as IRAs, 401(k)s, or other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income … Continue reading

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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

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Women and Money: Taking Control of Your Finances. By John Jastremski

As a woman, you have financial needs that are unique to your situation in life. Perhaps you would like to buy your first home. Maybe you need to start saving for your child’s college education. Or you might be concerned … Continue reading

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Why Women Need Life Insurance. By John Jastremski

Today, women have more financial responsibilities than ever before. How will your family or loved ones manage financially if you die? Whether you are single, married, employed, or a stay-at-home mom, you probably need life insurance. At the very least, … Continue reading

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Trusteed IRAs. By John Jastremski

The tax code allows IRAs to be created as trust accounts, custodial accounts, and annuity contracts. Regardless of the form, the federal tax rules are generally the same for all IRAs. But the structure of the IRA agreement can have … Continue reading

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The Roth 403(b). By John Jastremski

Some employers offer 403(b) plan participants the opportunity to make Roth 403(b) contributions. If you’re lucky enough to work for an employer that offers this option, Roth contributions could play an important role in maximizing your retirement income. What is … Continue reading

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The Retirement Income Gender Gap: Dealing with a Shortfall. By John Jastremski

When you determine your retirement income needs, you make your projections based on the type of lifestyle you plan to have and the desired timing of your retirement. However, you may find that reality is not in sync with your … Continue reading

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How Much Annual Income Can Your Retirement Portfolio Provide? By John Jastremski

Your retirement lifestyle will depend not only on your assets and investment choices, but also on how quickly you draw down your retirement portfolio. The annual percentage that you take out of your portfolio, whether from returns or the principal … Continue reading

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Bonds, Interest Rates, and the Impact of Inflation. By John Jastremski

There are two fundamental ways that you can profit from owning bonds: from the interest that bonds pay, or from any increase in the bond’s price. Many people who invest in bonds because they want a steady stream of income … Continue reading

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Annuities as an IRA Investment Option. By John Jastremski

A deferred annuity is one of several investment options you can choose from to fund your IRA. You might think that a deferred annuity isn’t suitable as an investment option for an IRA, since both deferred annuities and IRAs generally … Continue reading

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