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 Charitable Remainder Trust?
A designated income beneficiary could receive payment of a specified amount from a charitable remainder trust.
Retirement
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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.
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How Much Do I Need to Save?
Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.
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Don’t Bank Your Retirement on Your Business
Allocating too much of your retirement investments to one company, even your own, can be a risky proposition.
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Retirement Plan Distributions
When receiving money accumulated in your employer-sponsored retirement plan, you have two options: lump sum or annuity.
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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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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 a Required Minimum Distribution?
Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.
Investing
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What Is Diversification?
An important element to successful investing is to manage investment risk while maintaining the potential for growth.
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What Is the Difference Between a Fixed Annuity and a Variable Annuity?
Both fixed and variable annuities could be appropriate options for an individual interested in purchasing an annuity.
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What Investment Risks Should I Know About?
Understanding different types of investment risk can help investors manage their money more effectively.
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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.
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529 Lesson Plan: High Scores for 529 Plans
529 plans are tax-advantaged savings plans that generally allow people of any income level to contribute.
Cash Management
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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 Term Life Insurance?
Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.
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Am I Prepared for Long-Term Care Expenses?
The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.