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Guarding Against Identity Theft. By John Jastremski

Take steps so criminals won’t take vital information from you.

America is enduring a data breach epidemic. As 2013 ended, the federal Bureau of Justice Statistics released its 2012 Victims of Identity Theft report. 1,062 more words

Age Penalties

Throwing Out the 4% Rule. By John Jastremski

This 1990s retirement planning principle seems questionable today.

In 1994, a financial advisor named Bill Bengen published research articulating the “4% rule”, which became a landmark of retirement planning. 834 more words

Age Penalties

72(t) Distributions. By John Jastremski

Sometimes you can take penalty-free early withdrawals from retirement accounts.

Do you need to access your retirement money early? Usually, anyone who takes money out of an IRA or a retirement plan prior to age 59½ faces a 10% early withdrawal penalty on the distribution. 1,036 more words

Age Penalties

Getting Your Household Cash Flow Back Under Control. By John Jastremski

Developing a better budgeting process may be the biggest step toward that goal.

Where does your money go? If you find yourself asking that question from time to time, it may relate to cash flow within your household. 1,164 more words

Age Penalties

What’s Your Financial Health Score? By John Jastremski

Can a 5-question test predict how wealthy you will become?

In the future, will you become wealthier or poorer? Who knows, right? It seems like you would need a crystal ball to really answer that question given life’s up and downs. 861 more words

Age Penalties

Yes, Young Growing Families Can Save & Invest. By John Jastremski

It may seem like a tall order, but it can be accomplished. 

Plan to put yourself steps ahead of your peers. If you have a young, growing family, no doubt your to-do list is pretty long on any given day. 1,229 more words

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Wise Decisions with Retirement in Mind. By John Jastremski

Certain financial & lifestyle choices may lead you toward a better future.

Some retirees succeed at realizing the life they want, others don’t. Fate aside, it isn’t merely a matter of stock market performance or investment selection that makes the difference. 1,121 more words

Age Penalties