Articles

Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.

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

A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.

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

Shifting some debt to a home equity loan, which typically allows interest payments to be tax deductible, could have its advantages.

The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.

An A-B trust can be an effective way to help reduce estate taxes and preserve family assets for heirs.

A living trust can help control the distribution of your estate upon death.

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

Sole ownership, joint tenancy, tenancy in common, and community property have special benefits for property owners.

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

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

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

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

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

ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.

If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.

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

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

Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.

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

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

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

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

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

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

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

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

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

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

Many traditional tax-advantaged investment strategies have gone away, but there are still some alternatives.

Capital gains are profits realized from the sale of assets; a tax is triggered only when an asset is sold, not held.

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

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

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