Articles

Estates & Trusts

• How Can a Living Trust Help Me Control My Estate?

  A living trust can help control the distribution of your estate upon death.

• 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 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.

• What Is a 401(k) Plan?

  401(k) employer-sponsored retirement 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.

• 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 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.

• 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 Are Dividends?

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

• What Is an Exchange-Traded Fund?

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

• What Is Stock?

  Before investing in stocks, it is important to understand some of the basics and the risks involved in owning stocks.

• What Is Diversification?

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

• 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 Mutual Fund?

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

• 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.

• 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.

• 529 Lesson Plan: High Scores for 529 College Savings Program

  529 plans are tax-advantaged college 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.

• 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.

• 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.

• 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 Term Life Insurance?

  Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

• What Are the Basic Types of Life Insurance?

  When selecting a life insurance policy, examine all your options, as well as the positives and negatives of each type.