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75% of Americans agree they would benefit from having basic financial education and information.

Source: The 2016 Consumer Financial Literacy Survey, The National Foundation for Credit Counseling

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

  • Estate Planning

    Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.

  • Preserving My Estate

    Life insurance can be used to help preserve your estate’s value for your heirs.

  • Paying Estate Taxes

    If you believe your estate will be subject to estate taxes, consider how your heirs will pay the bill.

Retirement

  • IRA Rollover

    If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.

  • 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.

  • Why Purchase Annuities

    Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.

  • Annuity Living Benefits

    Living benefits can help protect variable annuity owners from running out of money in 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.

  • 1035 Exchanges

    A Section 1035 exchange is a tax-free exchange of an existing annuity contract or life insurance policy for a new one.

  • Your Business and Retirement

    Allocating too much of your retirement investments to one company, even your own, can be a risky proposition.

  • Indexed Annuities

    An indexed annuity may provide some upside potential and downside protection.

  • Traditional IRAs

    If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.

  • 401(k) Plans

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

  • Roth IRAs

    Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.

Tax Planning

  • Estate Tax

    Everything you own, whatever the form of ownership, is subject to federal, and possibly state, estate taxes.

  • Required Minimum Distributions

    Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

  • Tax Deferral

    There can be a substantial benefit to deferring taxes as long as possible.

  • Tax-Advantaged Alternatives

    While stable, CDs can create quite an income tax bill. Fixed annuities and municipal bonds can offer tax advantages.

Investing

  • Common Stock vs. Preferred Stock

    It’s important to understand the strengths and weaknesses of common stock versus preferred stock.

  • Mutual Fund Taxes

    Mutual fund taxes can be cumbersome, but there are ways to help mitigate the amount of taxes you may owe.

  • Diversification

    An important element to successful investing is to manage investment risk while maintaining the potential for growth.

  • Stock Indexes

    Stock market indexes can be useful benchmarks for gauging the performance of an investment portfolio over time.

  • Mutual Funds vs. Stocks

    The difference between purchasing an individual stock versus shares in a mutual fund to potentially earn dividends.

  • Annuities

    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.

  • Fixed vs. Variable Annuities

    Both fixed and variable annuities could be appropriate options for an individual interested in purchasing an annuity.

  • College Investment Options

    Starting to invest early for college and remaining consistent can help investors reach their goals.

  • 529 Plans

    529 plans are tax-advantaged college savings plans that generally allow people of any income level to contribute.

Cash Management

  • College Financial Aid

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

  • Savings Alternatives

    There are a number of savings alternatives that could help you earn a reasonable rate of return.

Risk Management

  • Why Purchase Life Insurance

    If you have a family who relies on your income, it is important to have life insurance protection.

  • Annuities as an Insurance Product

    An annuity is a contract between you and an insurance company to pay you future income in exchange for premiums you pay.

  • Business Owner Policies

    A business owner policy is an insurance package that assembles the basic coverages required by a business owner in one bundle.

  • 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.

  • Last-Survivor Life Insurance

    Couples who want to help protect their legacy from estate taxes could consider last-survivor life insurance.

  • Insuring Your Future

    To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

  • Types of Life Insurance

    When selecting a life insurance policy, examine all your options, as well as the positives and negatives of each type.