Articles
Welcome to our research center! We've put together a library of information on important financial topics that we believe you'll find helpful.
Simply click on one of the general financial topics below and you'll find a selection of easy-to-understand information sheets about related financial concepts and strategies. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.
Estates & Trusts
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What Key Estate Planning Tools Should I Know About?
Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.
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How Can a Living Trust Help Me Control My Estate?
A living trust can help control the distribution of your estate upon death.
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What Are the Pitfalls of Probate?
The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.
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What Is the Best Form of Property Ownership for Me?
Sole ownership, joint tenancy, tenancy in common, and community property have special benefits for property owners.
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What Is the History of the Federal Estate Tax?
Careful estate planning is still one of the most important ways to manage and protect your assets for your heirs.
Retirement
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What Is a SIMPLE?
The SIMPLE plan may appeal to small business owners as it is easy to set up, administer, and allows for a tax deduction.
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What Is an IRA Rollover?
If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.
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What Are Annuity Living Benefits?
Living benefits can help protect variable annuity owners from running out of money in retirement.
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A New Chapter for Retirement
With the changing pension landscape, it is important to take charge of your own retirement security.
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What Is a 1035 Exchange?
A Section 1035 exchange is a tax-free exchange of an existing annuity contract or life insurance policy for a new one.
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What Is a Traditional IRA?
If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.
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Save Now or Save Later?
If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.
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What Is a Roth IRA?
Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.
Tax Planning
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What Is the Capital Gain Tax?
Capital gains are profits realized from the sale of assets; a tax is triggered only when an asset is sold, not held.
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What Is the Estate Tax?
Everything you own, whatever the form of ownership, is subject to federal, and possibly state, estate taxes.
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How Much Money Can I Put Into My IRA or Employer-Sponsored Retirement Plan?
IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.
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What Tax-Advantaged Alternatives Are Available?
While stable, CDs can create an income tax bill. Fixed annuities and municipal bonds can offer tax advantages.
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What Is the Most Tax-Efficient Way to Take a Distribution From a Retirement Plan
Consider a trustee-to-trustee transfer to an IRA versus a lump-sum distribution from a workplace retirement plan.
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Is There Such a Thing as a Tax-Free Investment?
It's important to understand tax-exempt vehicles when establishing a comprehensive tax planning strategy.
Investing
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What Is an Exchange-Traded Fund?
ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.
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What Is Diversification?
An important element to successful investing is to manage investment risk while maintaining the potential for growth.
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What Types of Bonds Are Available?
Bonds are issued by many entities and share many characteristics, each type of bond has certain benefits and risks.
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How Do Mutual Funds and Stocks Differ?
The difference between purchasing an individual stock versus shares in a mutual fund to potentially earn dividends.
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What Is Dollar-Cost Averaging?
Dollar-cost averaging involves investing a set amount of money on a regular basis, regardless of market conditions.
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529 Lesson Plan: High Scores for 529 Plans
529 plans are tax-advantaged savings plans that generally allow people of any income level to contribute.
Cash Management
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How Long Will It Take to Double My Money?
Before making investment decisions, it is helpful to determine the real rate of return on the investment.
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What Cash Management Tools Are Available?
Short-term cash management instruments can help you establish a sound cash management program.
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What Advantages Does a Biweekly Mortgage Offer?
Biweekly mortgage payments can have a dramatic effect on the amount of interest homeowners have to pay.
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How Does Inflation Affect Me?
Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.
Risk Management
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Why Purchase Life Insurance?
If you have a family who relies on your income, it is important to have life insurance protection.
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What Is Term Life Insurance?
Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.
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What Is Universal Life Insurance?
Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.
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How Can I Insure My Future?
To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.