Tag Archives: EISP

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 Tax Benefits of Your Retirement Savings Plan. By John Jastremski

Taxes can take a big bite out of your total investment returns, so it’s encouraging to know that your employer-sponsored retirement savings plan may offer a variety of tax benefits. Depending on the type of plan your employer offers, you … 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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The ABCs of Mutual Fund Share Classes. By John Jastremski

When investing in a mutual fund, you may have the opportunity to choose among several share classes, most commonly Class A, Class B, and Class C. This multi-class structure offers you the opportunity to select a share class that is … Continue reading

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Exchange-Traded Funds: Do They Belong in Your Portfolio? By John Jastremski

Exchange-traded funds (ETFs) have become increasingly popular since they were introduced in the United States in the mid-1990s. Their tax efficiencies and relatively low investing costs have attracted investors who like the idea of combining the diversification of mutual funds … Continue reading

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