Mary Brosmith | Tumblr

A graduate of St. Lawrence University, Mary Brosmith has spent a significant portion of her career in the financial services industry. Several years after receiving her undergraduate degree, she enrolled in a Pension Administration Certificate Program at Bentley College, which she pursued while continuing to work in the field. As part of her training, Mary Brosmith held National Association of Securities Dealers (NASD) Series 6, 63, and 26 licenses. Mary Brosmith worked at the Massachusetts Financial Services Company in Boston for more than a decade. At the beginning of her tenure there, she served as an Investor Communications Representative, focusing on retirement plans. In connection with this position, Ms. Brosmith advised shareholders and brokers on tax trends, legal implications, and other requirements related to retirement plans. Mary Brosmith later advanced to Marketing Manager with the firm. In this capacity, she created marketing plans and training programs and assisted her supervisor in coordinating sales efforts between the Retirement Services Department and other divisions in the firm. During this time, she also dually served as Assistant Vice President, a position that called on her to design retirement plan products, develop sales copy, and participate as a member of the Retirement Plan Policy Committee, which made decisions on company-wide business practices. More recently, Mary Brosmith worked for the Guardian Life Insurance Company of America in Chicago as a Pension Marketing Representative. Her duties included implementing 401(k) enrollment meetings over a five-state territory, training office staff on the legal and technical intricacies of 401(k) plans, and creating marketing material designed to encourage business growth. Outside of her career pursuits, Mary Brosmith regularly supports several Catholic charities. For recreation, she enjoys skiing and running.

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Important Factors to Consider Before Cashing Out Your 401(k)

Mary Brosmith holds a political science degree from St. Lawrence University, and served at Massachusetts Financial Services from 1987 to 1998 as the assistant vice president and marketing manager. In her role at Massachusetts Financial Services, Mary Brosmith held several licenses from the Financial Industry Regulatory Authority, and worked with insurance products and mutual funds in the 401(k) market. Cashing out your 401(k) is an option available to you when changing jobs, but is typically not preferred. However, under certain circumstances, it may be best to close out a 401(k) with a previous employer. Consider the following factors when deciding whether or not to cash out your 401(k). You can only cash out your 401(k) once you leave the organization that manages your plan. If you are planning to draw from the funds before you begin a new job, it is important to note that it may take several months to receive your final distribution check. However, if you meet the specific eligibility requirements for hardship, you may be permitted to have early withdrawals. If you are considering cashing out your 401(k) plan before you are 59.5 years old, it is important to note that you will incur income and penalty taxes on your withdrawal. The funds withdrawn will be subject to a 10 percent penalty tax in addition to regular income tax. You also need to be aware of the long-term consequences of withdrawing your 401(k) funds, since the longer they remain in a tax-advantaged retirement account, the more money you will earn. The growth of your retirement savings may be significantly impacted if you withdraw the funds to address short-term financial needs. Obtaining a cash distribution from your 401(k) should be a last resort, and used only when there are no other options available.

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Benefits of 401(k) Retirement Plans

Based in Natick, Massachusetts, Mary Brosmith is an experienced product development and pension marketing professional with more than three decades of experience in the financial services sector. Mary Brosmith is particularly knowledgeable of retirement savings plans such as 401(k)s. While there are numerous retirement plan options for employees, the 401(k), with its many advantages, stands out as one of the most popular. First, every contribution an employee makes from their paycheck to their 401(k) is spared from income taxes; taxes aren’t paid until a withdrawal is made from the account. 401(k) plans also allow employers to match employee contributions dollar for dollar or to a certain specified percentage, translating to free money for the employee. Additionally, a 401(k) offers secure financial safeguards compared to an average savings account. This is because 401(k) plans comply with the Employee Retirement Income Security Act, which protects the interests of the investor first. It ensures that employees will never be charged unreasonable fees for a fund and that they are made aware of the fund’s past performance so that they can make informed investment decisions. Moreover, many employees are automatically enrolled in their company’s 401(k) plan, allowing them to start saving early for retirement. Today, most 401(k) deductions are effected through payroll deductions.

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Three of the Best Places to Ski Near Boston

Mary Brosmith has many years of experience in merchandising and marketing, having previously held the position of assistant vice president and marketing manager at Massachusetts Financial Services for over a decade. Outside of her career, Mary Brosmith enjoys pursuing other interests, such as skiing. Three noteworthy places to ski not far from Boston can be found here. Gunstock Mountain Resort Located near Lake Winnipesaukee in New Hampshire, Gunstock Mountain Resort is a small family-friendly ski resort with high-quality trails for skiers of all skill levels. It is not as modern as other ski resorts in the area, but the smaller crowds may be appealing to those looking for a peaceful atmosphere. The area offers rustic lodging and a bar and grill. Nearby gourmet food shops, outlets, and antique stores also attract tourists to the area. Wachusett Mountain Another quaint resort, Wachusett Mountain has six lifts and 19 trails that mostly target intermediate skiers. There is also a beginner area for novices. The towns of Princeton and Westminster, Massachusetts, which are close to this resort, offer activities and events for families throughout the season. Pats Peak Pats Peak is a long-time family-favorite getaway that has been operating for over 50 years. It caters mainly to beginning skiers, but does offer more challenging slopes for those more advanced. Located in Henniker, New Hampshire, the resort provides 11 lifts and 28 trails, along with beautiful glades that can be explored.

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The Best Places to Ski near Boston

Mary Brosmith, a merchandising professional, enjoys skiing in her free time. A resident of the greater Boston metropolitan area, Mary Brosmith lives in close proximity to a number of popular skiing destinations. According to experts at New England Today and Boston.com, the best of these destinations include: Wachusett Mountain Located in Princeton, Massachusetts, Wachusett Mountain holds distinction as one of, if not the single largest ski facility in the Boston region. Along with 26 trails, the mountain boasts a 2,006-foot summit and a 1,000-foot vertical drop. Ski Ward Ski Area Skiers interested in improving their skills can make their way to this Shrewsbury, Massachusetts, destination. There they can find a snow school that offers racing lessons, high-level instruction, and a number of other learning options. Blue Hills Ski Area Blue Hills Ski Area balances a convenient location just outside of the Massachusetts capital with an elevation higher than any on the Atlantic coast from Boston to the Florida Keys. Notably, Blue Hills’ 16 trails are patrolled by a ski area patrol that ranks as the oldest operating of any in the country.

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Three Running Apps You Need to Try

The recipient of a bachelor's degree in political science from St. Lawrence University, Mary Brosmith is a former assistant vice president of Massachusetts Financial Services who now serves as a representative with Lawrence Merchandising Services. Beyond her professional responsibilities, Mary Brosmith enjoys running in her free time. Running isn't always an easy activity to begin, especially if you're lacking motivation. Below are three mobile apps that can both motivate you to burn some calories and make running more enjoyable. 1. Human - While it isn't one of the most advanced activity trackers, Human is a great motivator with regular notifications prompting you to hit your target of 30 minutes of exercise each day. It also compares your recorded data to others in your area so you can compete to rise up the leaderboard. 2. Strava - Especially popular among runners and cyclists, Strava offers in-depth GPS tracking and monitors a variety of metrics, including distance and elevation gain. It also incorporates a segments feature that allows you to compare your time against others on the same route. 3. 10K Runner - This 14-week training program prepares new runners to complete a 10 kilometer run with three runs each week as well as an accompanying audio coach that reminds you when to slow down and when to pick up the pace.