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

Retirement

  • What Is a SIMPLE?

    The SIMPLE plan may appeal to small business owners as it is easy to set up, administer, and allows for a tax deduction.

  • What Is an IRA Rollover?

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

  • What Is a Profit-Sharing Plan?

    Profit-sharing plans give employees a share in the profits of a company and can help to fund their retirements.

  • What Is a 403(b) Plan?

    A 403(b) plan is a tax-deferred retirement savings plan that can only be offered by a 501(c)(3) tax-exempt entity.

  • What Is a Split-Annuity Strategy?

    A split-annuity strategy can generate immediate income while potentially stretching some retirement savings.

  • A New Chapter for Retirement

    With the changing pension landscape, it is important to take charge of your own retirement security.

  • What Is a 1035 Exchange?

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

  • 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.

  • 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.

  • Social Security Income

    The Social Security Administration’s retirement estimator gives estimates of your future benefits based on your actual Social Security earnings record.

  • What Is an Indexed Annuity?

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

  • What Is a Traditional IRA?

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

  • How Should I Manage My Retirement Plan?

    Employer-sponsored retirement plans are more important than ever, but managing the assets can be confusing.

  • 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

Investing

  • What Is a Bond Ladder?

    A bond ladder is a strategy involving the purchase of bonds that have staggered maturity dates.

  • What Are Dividends?

    It is important to understand how dividends (taxable payments to shareholders) fit with your long-term goals.

  • Growth Stocks vs. Value Stocks

    The labels growth and value reflect different approaches that can be used when making investment decisions.

  • 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 Do Bond Ratings Mean?

    Bond ratings gauge a bond issuer’s financial ability to repay its promised principal and interest payments.

  • How Do Mutual Funds and Stocks Differ?

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

  • 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.

  • What Is an Annuity?

    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.

  • What Investment Risks Should I Know About?

    Understanding different types of investment risk can help investors manage their money more effectively.

  • What Is Asset Allocation?

    Asset allocation is a method used to help manage investment risk; it does not guarantee a profit or protect against investment loss.

  • What College Investment Options Do I Have?

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

  • What Is Dollar-Cost Averaging?

    Dollar-cost averaging involves investing a set amount of money on a regular basis, regardless of market conditions.

Cash Management

Risk Management