GUIDING OUR CLIENTS IN PLANNING AND EXECUTING ON A STRATEGY TO ATTAIN FINANCIAL FREEDOM.
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.
Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.
A living trust can help control the distribution of your estate upon death.
The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.
To retain the tax advantages associated with charitable giving, your gift must be made to a qualified organization.
If you haven’t taken steps already, consider planning now for the distribution of your estate’s assets.
Compare the advantages and disadvantages of different gifting strategies available for planned giving.
A designated income beneficiary could receive payment of a specified amount from a charitable remainder trust.
One estate planning strategy that families with closely held businesses could consider is the family limited partnership.
Sole ownership, joint tenancy, tenancy in common, and community property have special benefits for property owners.
Tax-deferred retirement plans for self-employed individuals have higher contribution limits than IRAs.
When receiving money accumulated in your employer-sponsored retirement plan, you have two options: lump sum or annuity.
If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.
401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.
Employer-sponsored retirement plans are more important than ever, but managing the assets can be confusing.
If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.
Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.
IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.
Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.
With traditional IRAs and most employer-sponsored retirement plans, taxes are not payable until funds are withdrawn.
Tax-deferred retirement account withdrawals before age 59½ generally triggers a 10% federal income tax penalty.
There can be a substantial benefit to deferring taxes as long as possible.
Many traditional tax-advantaged investment strategies have gone away, but there are still some alternatives.
Changes to the tax code have left a few key deductions for itemizers, like medical, dental and some business expenses.
While stable, CDs can create quite an income tax bill. Fixed annuities and municipal bonds can offer tax advantages.
Consider a trustee-to-trustee transfer to an IRA versus a lump-sum distribution from a workplace retirement plan.
Want to keep more of your mutual fund profits? You may be interested in strategies to help lower your tax liability.
A 1035 exchange allows you to exchange your life insurance policy for one from another company without tax liability.
ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.
An important element to successful investing is to manage investment risk while maintaining the potential for growth.
Bonds are issued by many entities and share many characteristics, each type of bond has certain benefits and risks.
A bond is simply evidence of a debt from a government entity or a corporation and represents a long-term IOU.
Stock market indexes can be useful benchmarks for gauging the performance of an investment portfolio over time.
The difference between purchasing an individual stock versus shares in a mutual fund to potentially earn dividends.
A mutual fund is a collection of stocks, bonds, and other securities with certain benefits and risks.
With closed-end funds, investors pool their money together to purchase a professionally managed portfolio of stocks and/or bonds.
It’s important to understand mutual fund loads, or sales charges, and exactly what they entail so you can make informed investing decisions.
An annuity is a flexible financial vehicle that can help protect against the risk of living a long time because it provides an option for a lifetime income.
Both fixed and variable annuities could be appropriate options for an individual interested in purchasing an annuity.
Understanding different types of investment risk can help investors manage their money more effectively.
There are five broad asset classes that you should take into consideration when constructing your investment portfolio.
Asset allocation is a method used to help manage investment risk; it does not guarantee a profit or protect against investment loss.
There are other ways to invest in stocks and bonds besides owning individual shares or bonds.
529 plans are tax-advantaged college savings plans that generally allow people of any income level to contribute.
A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.
Before making investment decisions, it is helpful to determine the real rate of return on the investment.
Short-term cash management instruments can help you establish a sound cash management program.
Money market funds can be a highly liquid and effective cash management tool.
There are numerous investment alternatives available to help provide liquidity.
Here are some smart ways to refinance your home.
It's important to understand the options, such as financial aid grant programs, when having to pay for college.
There are a number of savings alternatives that could help you earn a reasonable rate of return.
Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.
Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.
Some of the pros and cons of whole life insurance.
Variable life insurance gives you the control to allocate your account value among a variety of investment options.
Several factors could undermine the financial security provided by the proceeds of your life insurance policy.
To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.
Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.
The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.