Tag Archives: Northrop Grumman

The Joys and Financial Challenges of Parenthood -by John Jastremski

Children are special. There’s nothing like them. They can be our sweetest blessing, as well as our biggest frustration. Most of all, however, they are our greatest responsibility, as well as our most important–and expensive–commitment. Whether you are a first-time … Continue reading

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Deciding When to Retire: When Timing Becomes Critical -by John Jastremski

Deciding when to retire may not be one decision but a series of decisions and calculations. For example, you’ll need to estimate not only your anticipated expenses, but also what sources of retirement income you’ll have and how long you’ll … Continue reading

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Disaster Preparedness for Businesses -by John Jastremski

As a successful business owner, you don’t want to think about your operations being interrupted by a natural disaster or other unexpected event. Yet the possibility is a real one.   According to the Insurance Information Institute, 80 natural disasters … Continue reading

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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

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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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Retirement Income Investing: Beyond Annuities by John Jastremski

One of the challenges of investing during retirement is providing for annual income while balancing that need with other considerations, such as liquidity, how long you need your funds to last, your risk tolerance, and anticipated rates of return for … Continue reading

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Roth IRA Conversions. By John Jastremski

With the lure of tax-free distributions, Roth IRAs have become increasingly popular retirement savings vehicles. According to the 2015 Investment Company Fact Book, 19.2 million U.S. households (about 15.6%) owned Roth IRAs in 2014. What are the general rules for … Continue reading

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In-Service Withdrawals from 401(k) Plans. By John Jastremski

You may be familiar with the rules for putting money into a 401(k) plan. But are you familiar with the rules for taking your money out? Federal law limits the withdrawal options that a 401(k) plan can offer. But a … Continue reading

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Have You Checked Your Retirement Plan Lately? By John Jastremski

It’s generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven’t given your plan a thorough review within the last 12 months, now may be … Continue reading

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