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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.

Monthly Market Monitor

Estates & Trusts

Retirement

  • SIMPLE IRAs

    The SIMPLE plan may appeal to small biz owners as it is easy to set up, administer, and allows for a tax deduction.

  • IRA Rollover

    If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.

  • 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.

  • Why Purchase Annuities

    Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.

  • 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.

  • A New Chapter for Retirement
  • 1035 Exchanges

    A Section 1035 exchange is a tax-free exchange of an existing annuity contract or life ins. policy for a new one.

  • Unforgettable Birthdays

    There are key dates after you turn 59 that can impact your taxes, Medicare eligibility, and retirement benefits.

  • Your Business and Retirement

    Allocating too much of your retirement investments to one company, even your own, can be a risky proposition.

  • Future of Social Security
  • Social Security Income
  • Self-Employed Retirement Plans

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

  • Retirement Plan Distributions

    When receiving money accumulated in your employer-sponsored retiremnt plan, you have 2 options: lump sum or annuity.

  • 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.

  • Save Now or Save Later

    If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.

  • Roth IRAs

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

Tax Planning

  • Estate Tax

    Everything you own, whatever the form of ownership, is subject to federal, and possibly state, estate taxes.

  • Gift Tax

    The federal gift tax applies to gifts of property or money while the donor is living.

  • Retirement Plan Limits

    IRAs, employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

  • Required Minimum Distributions

    Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

  • Charitable Trust Tax Benefits

    For the grantor, there are a few potential tax benefits that can come with setting up a charitable trust.

  • Retirement Plan Taxes

    With traditional IRAs and most employer-sponsored retirement plans, taxes are not payable until funds are withdrawn.

  • Tax-Advantaged Investments

    Many traditional tax-advantaged investment strategies have gone away, but there are still some alternatives.

  • Tax Deductions

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

  • Tax-Advantaged Alternatives

    While stable, CDs can create quite an income tax bill. Fixed annuities and municipal bonds can offer tax advantages.

  • Tax Strategies for Retirement Plans

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

  • Mutual Fund Profits

    Want to keep more of your mutual fund profits? You may be interested in strategies to help lower your tax liability.

  • Tax-Free Insurance Upgrades

    A 1035 exchange allows you to exchange your life insurance policy for one from another company w/o tax liability.

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.

  • Growth Stocks vs. Value Stocks

    The labels “growth” and “value” reflect different approaches that can be used when making investment decisions.

  • Mutual Fund Taxes

    Mutual fund taxes can be cumbersome, but there are ways to help mitigate the amount of taxes you may owe.

  • Stock
  • Zero-Coupon Bonds

    Zero-coupon bonds represent a type of bond that does not pay interest during the life of the bond.

  • 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.

  • Bonds

    A bond is simply evidence of a debt from a government entity or a corporation and represents a long-term IOU.

  • Stock Indexes

    Stock market indexes can be useful benchmarks for gauging the performance of an investment portfolio over time.

  • Mutual Funds vs. Stocks

    The difference between purchasing an individual stock vs. shares in a mutual fund to potentially earn dividends.

  • Mutual Funds

    A mutual fund is a collection of stocks, bonds, and other securities with certain benefits and risks.

  • Mutual Fund Loads
  • Annuities
  • Fixed vs. Variable Annuities

    Both fixed and variable annuities could be appropriate options for an individual interested in purchasing an annuity.

  • Investment Risks

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

  • Stock and Bond Investing Alternatives

    There are other ways to invest in stocks and bonds besides owning individual shares.

  • Dollar-Cost Averaging

    Dollar-cost averaging involves investing a set amount of money on a regular basis, regardless of market conditions.

Cash Management

  • Cash Management Basics

    A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.

  • Doubling Your Money

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

  • Money Market Funds

    Money market funds can be a highly liquid and effective cash management tool.

  • Managing Cash

    There are numerous investment alternatives available to help provide liquidity.

  • Biweekly Mortgages

    Biweekly mortgage payments can have a dramatic effect on the amount of interest homeowners have to pay.

  • 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