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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

  • Avoiding Probate

    The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.

  • Benefits of A-B Trusts

    An A-B trust can be an effective way to help reduce estate taxes and preserve family assets for heirs.

  • Gifting Strategies

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

  • Charitable Lead Trusts

    Charitable lead trusts are designed for people who would like to benefit a charity now rather than later.

  • Charitable Remainder Trusts

    A designated income beneficiary could receive payment of a specified amount from a charitable remainder trust.

  • Family Limited Partnerships

    One estate planning strategy that families with closely held businesses could consider is the family limited partnership.

  • Property Ownership

    Sole ownership, joint tenancy, tenancy in common, and community property have special benefits for property owners.

Retirement

  • SEP IRAs

    A SEP IRA is a type of plan under which the employer contributes (up to a certain limit) to an employee’s IRA.

  • SIMPLE IRAs

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

  • Stretch IRAs

    A “stretch” or “multigenerational” IRA may be a useful approach to extend tax-deferred savings that can benefit your heirs for generations.

  • 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.

  • 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 percentage of compensation.

  • Your Business and Retirement

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

  • 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 retirement 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

  • Capital Gain Tax

    Capital gains are profits realized from the sale of assets; a tax is triggered only when an asset is sold, not held.

  • 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 and 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.

  • Withdrawing Before Age 59.5

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

  • Tax-Advantaged Investments

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

  • 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 versus a lump-sum distribution from a workplace retirement plan.

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

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

  • Zero-Coupon Bonds

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

  • 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.

  • Bond Ratings

    Bond ratings gauge a bond issuer’s financial ability to repay its promised principal and interest payments.

  • Mutual Funds vs. Stocks

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

  • Investment Risks

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

  • Asset Classes

    There are five broad asset classes that you should take into consideration when constructing your investment portfolio.

  • Asset Allocation

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

  • 529 Plans

    529 plans are tax-advantaged college savings plans that generally allow people of any income level to contribute.

Cash Management

Risk Management

  • Term Life Insurance

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

  • Whole Life Insurance

    Some of the pros and cons of whole life insurance.

  • Universal Life Insurance

    Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

  • Variable Life Insurance

    Variable life insurance gives you the control to allocate your account value among a variety of investment options.

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