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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How Can I Benefit from a Wealth Replacement Trust?
A wealth replacement trust could be used to gift appreciated assets to a charity as well as provide for heirs.
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Could My Family Benefit from a Family Limited Partnership?
One estate planning strategy that families with closely held businesses could consider is the family limited partnership.
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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.
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What Is the History of the Federal Estate Tax?
Careful estate planning is still one of the most important ways to manage and protect your assets for your heirs.
Retirement
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What Is a 401(k) Plan?
401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.
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How Should I Manage My Retirement Plan?
Employer-sponsored retirement plans are more important than ever, but managing the assets can be confusing.
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Save Now or Save Later?
If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.
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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
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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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What Is the Estate Tax?
Everything you own, whatever the form of ownership, is subject to federal, and possibly state, estate taxes.
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What Is the Gift Tax?
The federal gift tax applies to gifts of property or money while the donor is living.
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How Much Money Can I Put Into My IRA or Employer-Sponsored Retirement Plan?
IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.
Investing
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What Is a Bond Ladder?
A bond ladder is a strategy involving the purchase of bonds that have staggered maturity dates.
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How Are Common and Preferred Stocks Different?
It's important to understand the strengths and weaknesses of common stock versus preferred stock.
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What Are Dividends?
It is important to understand how dividends (taxable payments to shareholders) fit with your long-term goals.
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What Is an Exchange-Traded Fund?
ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.
Cash Management
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How Do Money Market Mutual Funds Work?
Money market funds can be a highly liquid and effective cash management tool.
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How Can I Better Manage My Short-Term Cash?
There are numerous investment alternatives available to help provide liquidity.
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What Is a Reverse Mortgage?
There are techniques that can enable older homeowners to use their property to finance their lifestyle.
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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
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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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What Is 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.
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What Is 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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How Can I Extend My Liability Coverage?
Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.