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Jamin Armstead

Personal Finance, Retirement, Investing
“With over a decade of financial planning expertise, Jamin Armstead is passionate about helping clients' plan and take action to realize their financial goals.”

J. Dishon Financial

Job Title:

Owner/Financial Advisor


Jamin's journey began in Richmond, IN, where his parents instilled in him his faith in God, the value of hard work and that anything you want to achieve in life is possible.  His parents taught him that hard work, dedication to doing what's right, and having faith in God and oneself will help make any dream come true!

In 2002, Jamin graduated from Indiana University with a B.A. in Economics, but did not know exactly what he wanted to be when he grew up.  His vision was to help people and their families more directly.  During the last 10 years, he's had the pleasure of working with his true passion, Generation X.  His "sandwich" generation faces insufficient retirement savings, worries about aging parents, concerns about kids' college choices and costs, and being the first generation to experience the paradigm shift from the "safety" of pensions to the uncertainty of 401ks and IRA's.

This experience ultimately led Jamin to create J. Dishon Financial, where he is able to tailor solutions based on his clients' concerns, be more transparent and develop deeper relationships with the families he serves. He focuses on areas of financial concern such as retirement planning (IRA's, 401k plans, and rollover consolidation), budgeting, college planning, wealth strategies, and protecting assets and families through life insurance.

Jamin is currently the radio host of "Everything Cha-Ching," and can be heard every Tuesday evening on WDJY 99.1 FM (WDJYFM.com) and has also been quoted in several media publications:  Yahoo Finance, US News & World Report, and Self-Lender.

Jamin takes pride being in a position to help clients reach their financial goals and is blessed to fulfill his passion.  J Dishon Financial is where goals are borne to succeed!


BA, Economics, Indiana University Bloomington

Assets Under Management:

$1 million

CRD Number:


All Articles
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December 2016
    Financial Planning, Life Insurance
February 2017
    Personal Finance, Debt
March 2017
    401(k), IRAs, Retirement Savings
August 2017
    401(k), Retirement Savings, Retirement Plans
November 2018

All Answers
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What's the difference between an individual retirement account (IRA) and a certificate of deposit (CD)?
100% of people found this answer helpful

Good question, sometimes there is confusion between the two.  I remember years ago in my banking days, some customers would ask "What's your IRA paying?"...more than likely thinking in terms of a CD, so you aren't alone.

A CD stands for certificate of deposit.  With a CD, you deposit a certain amount of money for a specified period of time and will earn a specified amount of interest.  For example, you could deposit $20,000 into a 2 yr CD for 0.25% APY interest (yes, you are reading this right, you would recieve 1/4 of 1% on a 2 yr CD, this is an actual current rate being offered at at major bank).  Think of a CD as a small loan to a bank.  In return for you "loaning" the bank money, they are going to pay you interest , and at the end of the term, you will get your money back.  The longer the CD term and the larger the deposit, the "higher" the return.  

As I'm sure other respondents before me have shared, an IRA stands for Individual Retirement Account.  It is and account that allows you to contribute earned income so that you can invest the money and it can grow tax-deffered or tax free, depending on the type of IRA chosen.  Think of an IRA as an umbrella, and underneath that umbrella you can invest your contributions into things like stocks, mutual funds, ETFs, and CDs, as discussed above.  However, the IRA (umbrella) is protecting your your money, your investments (not from rain..:)) from being taxed during your working years.  This allows your saving to grow faster because it's not being taxed. Once you retire and you start withdrawing the money you saved to live on, it's no longer prottected in the umbrella, you start paying your taxes on that income. 

In return for the protection the IRA is providing, Uncle Sam limits how much you can contribute per year, $5500 limit if you are age 50 or younger ($6500 if you are older than 50).  I hope this helps, thank you.


Jamin Armstead

May 2017
    Mutual Funds
What are the main differences between a systematic investment plan (SIP) and mutual funds?
80% of people found this answer helpful
February 2017
    Retirement Savings, Bonds / Fixed Income
Do I need to purchase bonds to enhance my retirement funds?
45% of people found this answer helpful
December 2016
    Investing, Retirement Plans, Starting Out
How can I put myself in the best position for later in life?
13% of people found this answer helpful
April 2017
    IRAs, Taxes
Would contributions to our Traditional IRAs reduce our tax burden?
0% of people found this answer helpful
December 2016