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
-
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.
-
How Can a Living Trust Help Me Control My Estate?
A living trust can help control the distribution of your estate upon death.
-
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.
-
How Can I Control the Distribution of My Estate?
If you haven't taken steps already, consider planning now for the distribution of the assets of your estate.
-
How Will I Pay Estate Taxes?
If you believe your estate will be subject to estate taxes, consider how your heirs will pay the bill.
-
Can I Benefit from an A-B Trust?
An A-B trust can be an effective way to help reduce estate taxes and preserve family assets for heirs.
-
What Gifting Strategies Are Available to Me?
Compare the advantages and disadvantages of different gifting strategies available for planned giving.
-
How Can I Benefit from a Charitable Lead Trust?
Charitable lead trusts are designed for people who would like to benefit a charity now rather than later.
-
How Can I Benefit from a Charitable Remainder Trust?
A designated income beneficiary could receive payment of a specified amount from a charitable remainder trust.
-
How Can I Benefit from a Wealth Replacement Trust?
A wealth replacement trust could be used to gift appreciated assets to a charity as well as provide for heirs.
-
Could My Family Benefit from a Family Limited Partnership?
One estate planning strategy that families with closely held businesses could consider is the family limited partnership.
-
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.
Retirement
-
What Is a Self-Employed Retirement Plan?
Tax-deferred retirement plans for self-employed individuals have higher contribution limits than IRAs.
-
What Is an Indexed Annuity?
An indexed annuity may provide some upside potential and downside protection.
-
What Is a Traditional IRA?
If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.
-
What Is a 401(k) Plan?
401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.
-
How Should I Manage My Retirement Plan?
Employer-sponsored retirement plans are more important than ever, but managing the assets can be confusing.
-
Save Now or Save Later?
If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.
-
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
-
What Is Tax Deferral?
There can be a substantial benefit to deferring taxes as long as possible.
-
What Tax Deductions Are Still Available to Me?
Changes to the tax code have left a few key deductions for itemizers, like medical, dental and some business expenses.
-
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.
-
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
-
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.
-
What Is a Bond?
A bond is simply evidence of a debt from a government entity or a corporation and represents a long-term IOU.
-
What Is a Stock Index?
Stock market indexes can be useful benchmarks for gauging the performance of an investment portfolio over time.
-
What Investment Risks Should I Know About?
Understanding different types of investment risk can help investors manage their money more effectively.
-
What Are the Different Classes of Assets?
There are five broad asset classes that you should take into consideration when constructing your investment portfolio.
-
What Is Asset Allocation?
Asset allocation is a method used to help manage investment risk; it does not guarantee a profit or protect against investment loss.
-
What Is Dollar-Cost Averaging?
Dollar-cost averaging involves investing a set amount of money on a regular basis, regardless of market conditions.
-
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
-
What Are Some Tips for Managing My Money?
A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.
-
What About Financial Aid for College?
It's important to understand the options, such as financial aid grant programs, when having to pay for college.
-
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
-
Why Purchase Life Insurance?
If you have a family who relies on your income, it is important to have life insurance protection.
-
Do I Need a Business Owner Policy?
A business owner policy is an insurance package that assembles the basic coverages required by a business owner in one bundle.
-
What Is Life Insurance for Business Owners?
Company-owned life insurance is one way to help protect a business from financial problems caused by the death of a key employee.
-
What Is Split-Dollar Life Insurance?
Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.
-
What Is Last-Survivor Life Insurance?
Couples who want to help protect their legacy from estate taxes could consider last-survivor life insurance.