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.
Estates & Trusts
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Estate Planning
Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.
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Living Trusts
A living trust can help control the distribution of your estate upon death.
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Avoiding Probate
The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.
Retirement
- Stretch IRAs
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IRA Rollover
If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.
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Why Purchase Annuities
Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.
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Unforgettable Birthdays
There are key dates after you turn 59 that can impact your taxes, Medicare eligibility, and retirement benefits.
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Your Business and Retirement
Allocating too much of your retirement investments to one company, even your own, can be a risky proposition.
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Indexed Annuities
An indexed annuity may provide some upside potential and downside protection.
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Retirement Plan Distributions
When receiving money accumulated in your employer-sponsored retiremnt plan, you have 2 options: lump sum or annuity.
Tax Planning
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What Is the 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.
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Estate Tax
Everything you own, whatever the form of ownership, is subject to federal, and possibly state, estate taxes.
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Required Minimum Distributions
Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.
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Tax-Advantaged Alternatives
While stable, CDs can create quite an income tax bill. Fixed annuities and municipal bonds can offer tax advantages.
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United States Tax History
American tax law is a constantly changing landscape. The latest major piece of tax legislation is the Tax Cuts and Jobs Act of 2017.
Investing
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Dividends
It is important to understand how dividends (taxable payments to shareholders) fit with your long-term goals.
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Exchange-Traded Funds
ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.
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Growth Stocks vs. Value Stocks
The labels “growthâ€쳌 and “valueâ€쳌 reflect different approaches that can be used when making investment decisions.
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Diversification
An important element to successful investing is to manage investment risk while maintaining the potential for growth.
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Types of Bonds
Bonds are issued by many entities and share many characteristics, each type of bond has certain benefits and risks.
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Stock Indexes
Stock market indexes can be useful benchmarks for gauging the performance of an investment portfolio over time.
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Fixed vs. Variable Annuities
Both fixed and variable annuities could be appropriate options for an individual interested in purchasing an annuity.
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Investment Risks
Understanding different types of investment risk can help investors manage their money more effectively.
Risk Management
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Why Purchase Life Insurance
If you have a family who relies on your income, it is important to have life insurance protection.
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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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Long-Term Care Costs
The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.
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Medicare Coverage
Medicare is the federal health insurance program for those persons age 65 and over. But what does it cover?
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Long-Term-Care Needs
If you were to suffer an illness or disability that required long-term nursing care, would you be covered?