Articles

75% of Americans agree they would benefit from having basic financial education and information.

Source: The 2016 Consumer Financial Literacy Survey, The National Foundation for Credit Counseling

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

  • Estate Planning

    Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.

  • Charitable Giving

    To retain the tax advantages associated with charitable giving, your gift must be made to a qualified organization.

  • Controlling the Distribution

    If you haven’t taken steps already, consider planning now for the distribution of your estate’s assets.

  • Paying Estate Taxes

    If you believe your estate will be subject to estate taxes, consider how your heirs will pay the bill.

  • Gifting Strategies

    Compare the advantages and disadvantages of different gifting strategies available for planned giving.

  • Wealth Replacement Trusts

    A wealth replacement trust could be used to gift appreciated assets to a charity as well as provide for heirs.

Retirement

  • Stretch IRAs
  • Roth 401(k)

    A Roth 401k is funded w/after-tax money, allows for tax- and penalty-free withdrawal of earnings if req are met.

  • Profit-Sharing Plans

    Profit-sharing plans give employees a share in the profits of a company and can help to fund their retirements.

  • Money Purchase Pension Plans

    A money purchase plan is a retirement plan where employer contributions are based on a fixed % of compensation.

  • 403(b) Plans

    A 403(b) plan is a tax-deferred retirement savings plan that can only be offered by a 501(c)(3) tax-exempt entity.

  • Split-Annuity Strategy

    A split annuity strategy can generate immediate income while potentially stretching some retirement savings.

  • Annuity Living Benefits

    Living benefits can help protect variable annuity owners from running out of money in retirement.

  • How Much Do I Need to Save?

    Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.

  • Planning Options

    There’s a variety of retirement planning options that could help meet your needs. Here’s some of the most popular.

  • Self-Employed Retirement Plans

    Tax-deferred retirement plans for self-employed individuals have higher contribution limits than IRAs.

  • Traditional IRAs

    If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.

  • 401(k) Plans

    401(k) employer-sponsored retirements plans have many benefits, including that the funds accumulate tax-deferred.

  • Roth IRAs

    Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.

Tax Planning

  • Tax Deductions

    Changes to the tax code have left a few key deductions for itemizers, like medical, dental and some business expenses.

  • Tax Strategies for Retirement Plans

    Consider a trustee-to-trustee transfer to an IRA vs a lump-sum distribution from a workplace retirement plan.

  • Tax-Free Investments

    It’s important to understand tax-exempt vehicles when establishing a comprehensive tax planning strategy.

Investing

  • Dividends

    It is important to understand how dividends (taxable payments to shareholders) fit with your long-term goals.

  • Exchange-Traded Funds

    ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.

  • Stock
  • Diversification

    An important element to successful investing is to manage investment risk while maintaining the potential for growth.

  • Types of Bonds

    Bonds are issued by many entities and share many characteristics, each type of bond has certain benefits and risks.

  • Annuities
  • Investment Risks

    Understanding different types of investment risk can help investors manage their money more effectively.

  • Asset Classes
  • Asset Allocation

    Asset allocation is a method used to help manage investment risk; it does not guarantee against investment loss.

  • College Savings Plans

    There are several funding methods for a child's college education including mutual funds and Section 529 plans.

Cash Management

  • Doubling Your Money

    Before making investment decisions, it is helpful to determine the real rate of return on the investment.

  • College Financial Aid

    It's important to understand the options, such as financial aid grant programs, when having to pay for college.

  • Effects of Inflation

    Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.

Risk Management