When saving for retirement, many of us envision spending our money on our future beach home or round-the-world travel. However, most underestimate healthcare expenses as we grow older. In fact, approximately 70% of those aged 65 and older require a form of long-term health care at some point during their lives.1 Often, long-term care is…
Myth – Social Security is running out of money or will become bankrupt. The U.S. Social Security Administration cannot run out of money. According to the Social Security Administration, even if Congress allowed the trust fund reserves to deplete, continuing income would cover 80% of the scheduled benefits in 2035 and 75% of scheduled benefits…
You may know that employers who already offer a qualified employer-sponsored retirement plan are not required to enroll in MarylandSaves. However, each business is still required to certify their exemption. Employers must certify their exemption using their State Department of Assessments and Taxation (SDAT) number and Access Code. If you do not have an Access…
If you previously contributed to an employer-sponsored 401(k) or 403(b) plan and are now with a new employer, you may want to roll over the funds to an Individual Retirement Account (IRA) or your new employer-sponsored plan. The following video can help you understand your options for your 401(k) or 403(b) plan assets. Since there…
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IMPORTANT NOTICE
You are now leaving the Jemma Investment Advisors, LLC Website and will be entering the Charles Schwab & Co., Inc. ("Schwab") Website. Schwab is a registered broker-dealer, and is not affiliated with Jemma Investment Advisors, LLC, or any advisor(s) whose name(s) appears on this Website. Jemma Investment Advisors, LLC is independently owned and operated. Schwab neither endorses nor recommends Jemma Investment Advisors, LLC. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Jemma Investment Advisors, LLC under which Schwab provides Jemma Investment Advisors, LLC with services related to your account. Schwab does not review the Jemma Investment Advisors, LLC Website, and makes no representation regarding the content of the Website. The information contained in the Jemma Investment Advisors, LLC Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.
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