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Articles

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

  • 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.

  • Gifting Strategies

    Compare the advantages and disadvantages of different gifting strategies available for planned giving.

Retirement

  • Why Purchase Annuities

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

  • Split-Annuity Strategy

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

  • Annuity Living Benefits

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

  • A New Chapter for Retirement

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

  • 1035 Exchanges

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

  • Future of Social Security

    Greater demand is being placed on the Social Security system as the baby boom generation has begun to retire.

  • Social Security Income

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

  • Indexed Annuities

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

Tax Planning

  • Estate Tax

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

  • Gift Tax

    The federal gift tax applies to gifts of property or money while the donor is living.

  • Retirement Plan Limits

    IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

  • Required Minimum Distributions

    Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

  • Tax-Advantaged Alternatives

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

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.

  • 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.

  • Disability Income Insurance for Business Owners

    As a business owner, a disability can create an economic hardship putting both your personal finances and business at risk.

  • Term Life Insurance

    Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

  • Whole Life Insurance

    Some of the pros and cons of whole life insurance.

  • Universal Life Insurance

    Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

  • Maximizing Your Insurance Benefits

    Several factors could undermine the financial security provided by the proceeds of your life insurance policy.

  • Insuring Your Future

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

  • Assessing Disability Income Insurance

    Knowing the basics of a disability income insurance policy is a good first step toward protecting your family.

  • Types of Health Coverage

    There are three basic types of medical insurance plans: fee-for-service, managed care, and high-deductible health plan.

  • HMOs and PPOs
  • Long-Term Care Costs

    The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

  • Medicare Coverage

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

  • Long-Term-Care Needs

    If you were to suffer an illness or disability that required long-term nursing care, would you be covered?

  • Types of Life Insurance

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