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.

Market Commentary

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.
How Can My Gift Benefit Me and the Charity?

To retain the tax advantages associated with charitable giving, your gift must be made to a qualified organization.
What Gifting Strategies Are Available to Me?

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

Retirement

What Is a Roth 401(k)?

A Roth 401(k) is funded with after-tax money, and allows for tax- and penalty-free withdrawal of earnings if requirements are met.
What Is a 403(b) Plan?

A 403(b) plan is a tax-deferred retirement savings plan that can only be offered by a 501(c)(3) tax-exempt entity.
What Are My Retirement Planning Options?

There are a variety of retirement planning options that could help meet your needs. Here are some of the most popular.
Will Social Security Retire Before You Do?

Greater demand is being placed on the Social Security system as the baby boom generation has begun to retire.
How Can I Estimate My Future Social Security Benefits?

The Social Security Administration’s retirement estimator gives estimates of your future benefits based on your actual Social Security earnings record.
What Are My Retirement Plan Distribution Options?

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

Tax Planning

What Is the Estate Tax?

Everything you own, whatever the form of ownership, is subject to federal, and possibly state, estate taxes.
What Happens If I Withdraw Money from My Tax-Deferred Investments Before Age 59½

Tax-deferred retirement account withdrawals before age 59½ generally triggers a 10% federal income tax penalty.
What Is Tax Deferral?

There can be a substantial benefit to deferring taxes as long as possible.
How Can I Benefit from Tax-Advantaged Investments?

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

Investing

What Is Diversification?

An important element to successful investing is to manage investment risk while maintaining the potential for growth.
What Is an Annuity?

An annuity is a flexible financial vehicle that can help protect against the risk of living a long time because it provides an option for a lifetime income.
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.
How Can I Save for My Child’s College Education?

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

Cash Management

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.
What Are Some Smart Ways to Refinance?

Here are some smart ways to refinance your home.
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.

Risk Management

Why Are Annuities Considered an Insurance Product?

An annuity is a contract between you and an insurance company to pay you future income in exchange for premiums you pay.
What Is Term Life Insurance?

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.
What Is Whole Life Insurance?

Some of the pros and cons of whole life insurance.
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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Articles

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