Tag Archives: netbenefits

The Power of Dividends in a Portfolio -by John Jastremski

It wasn’t so long ago that many investors regarded dividends as roughly the financial equivalent of a record turntable at a gathering of MP3 users–a throwback to an earlier era, irrelevant to the real action. But fast-forward a few years, … 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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Pay Down Debt or Save for Retirement? by John Jastremski

You can use a variety of strategies to pay off debt, many of which can cut not only the amount of time it will take to pay off the debt but also the total interest paid. But like many people, … Continue reading

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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

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Active vs. Passive Portfolio Management- By John Jastremski

One of the longest-standing debates in investing is over the relative merits of active portfolio management versus passive management. With an actively managed portfolio, a manager tries to beat the performance of a given benchmark index by using his or … Continue reading

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Guaranteed Lifetime Withdrawal Benefit Annuity Rider. By John Jastremski

Indexed annuities (also referred to as fixed-index or equity-indexed annuities) and variable annuities can be useful options for retirement savings because interest earnings are tax-deferred until withdrawn. These annuities can also be converted to a stream of income payments that … Continue reading

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After the Military: Tips for Your Financial Transition to Civilian Life. By John Jastremski

A drawdown is looming. You’re separating at the end of active service. You’ve decided to retire after a long career. No matter why you’re leaving the military, a big part of preparing for your civilian life is taking steps to … Continue reading

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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

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Paying the Bills: Potential Sources of Retirement Income. By John Jastremski

Planning your retirement income is like putting together a puzzle with many different pieces. One of the first steps in the process is to identify all potential income sources and estimate how much you can expect each one to provide. … Continue reading

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The Importance of TOD & JTWROS Designations. By John Jastremski

The Importance of TOD & JTWROS Designations A convenient move that could ward off probate on your accounts.      TOD, JTWROS…what do these obscure acronyms signify? They are shorthand for transfer on death and joint tenancy with right of … Continue reading

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