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.

Market Commentary

Estates & Trusts

What Key Estate Planning Tools Should I Know About?

Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.
How Can a Living Trust Help Me Control My Estate?

A living trust can help control the distribution of your estate upon death.
What Are the Pitfalls of Probate?

The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.
How Can My Gift Benefit Me and the Charity?

To retain the tax advantages associated with charitable giving, your gift must be made to a qualified organization.
How Can I Control the Distribution of My Estate?

If you haven't taken steps already, consider planning now for the distribution of the assets of your estate.
Can I Benefit from an A-B Trust?

An A-B trust can be an effective way to help reduce estate taxes and preserve family assets for heirs.
What Gifting Strategies Are Available to Me?

Compare the advantages and disadvantages of different gifting strategies available for planned giving.
How Can I Benefit from a Charitable Lead Trust?

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

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.
A New Chapter for Retirement

With the changing pension landscape, it is important to take charge of your own retirement security.
What Are My Retirement Planning Options?

There are a variety of retirement planning options that could help meet your needs. Here are some of the most popular.
How Can I Estimate My Future Social Security Benefits?

The Social Security Administration’s retirement estimator gives estimates of your future benefits based on your actual Social Security earnings record.
What Are My Retirement Plan Distribution Options?

When receiving money accumulated in your employer-sponsored retirement plan, you have two options: lump sum or annuity.
What Is a Traditional IRA?

If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.
What Is a 401(k) Plan?

401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.
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

What Is the Estate Tax?

Everything you own, whatever the form of ownership, is subject to federal, and possibly state, estate taxes.
What Is the Gift Tax?

The federal gift tax applies to gifts of property or money while the donor is living.
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.
What Is a Required Minimum Distribution?

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.
What Are the Tax Benefits of Charitable Trusts?

For the grantor, there are a few potential tax benefits that can come with setting up a charitable trust.
When Must Taxes Be Paid on IRA and Employer-Sponsored Retirement Funds?

With traditional IRAs and most employer-sponsored retirement plans, taxes are not payable until funds are withdrawn.
What Happens If I Withdraw Money from My Tax-Deferred Investments Before Age 59½

Tax-deferred retirement account withdrawals before age 59½ generally triggers a 10% federal income tax penalty.
Is There Such a Thing as a Tax-Free Investment?

It's important to understand tax-exempt vehicles when establishing a comprehensive tax planning strategy.

Investing

What Is Stock?

Before investing in stocks, it is important to understand some of the basics and the risks involved in owning stocks.
What Types of Bonds Are Available?

Bonds are issued by many entities and share many characteristics, each type of bond has certain benefits and risks.
What Is a Bond?

A bond is simply evidence of a debt from a government entity or a corporation and represents a long-term IOU.
What Do Bond Ratings Mean?

Bond ratings gauge a bond issuer’s financial ability to repay its promised principal and interest payments.
What Is a Stock Index?

Stock market indexes can be useful benchmarks for gauging the performance of an investment portfolio over time.
What Is a Closed-End Fund?

With closed-end funds, investors pool their money together to purchase a professionally managed portfolio of stocks and/or bonds.

Cash Management

How Long Will It Take to Double My Money?

Before making investment decisions, it is helpful to determine the real rate of return on the investment.
What About Financial Aid for College?

It's important to understand the options, such as financial aid grant programs, when having to pay for college.

Risk Management

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.
What Is Split-Dollar Life Insurance?

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.
What Is Term Life Insurance?

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.
What Is Variable Life Insurance?

Variable life insurance gives you the control to allocate your account value among a variety of investment options.
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.
What Does Medicare Cover?

Medicare is the federal health insurance program for those persons age 65 and over. But what does it cover?

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