Tag Archives: John Jastremski

Common Factors Affecting Retirement Income -by John Jastremski

When it comes to planning for your retirement income, it’s easy to overlook some of the common factors that can affect how much you’ll have available to spend. If you don’t consider how your retirement income can be impacted by … Continue reading

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Setting and Targeting Investment Goals

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don’t take any money out until you’re ready to buy a house, send your child to college, or retire. It sounds a little … Continue reading

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Lump Sum vs. Dollar Cost Averaging: Which is Better? -by John Jastremski

Some people go swimming by diving into the pool; others prefer to edge into the water gradually, especially if the water’s cold. A decision about putting money into an investment can be somewhat similar. Is it best to invest your … Continue reading

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Non-Qualified Deferred Compensation (NQDC) Plans -by John Jastremski

A nonqualified deferred compensation (NQDC) plan is an arrangement between an employer and one or more employees to defer the receipt of currently earned compensation. You might want to establish a NQDC plan to provide your employees with benefits in … 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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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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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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Indexed Annuities -by John Jastremski

An indexed annuity (IA) is a contract between you and an insurance company. You pay premiums in a lump sum or periodically, and the issuer promises* to pay you some amount in the future. The IA issuer also provides a … Continue reading

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