Articles

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

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

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

There are five broad asset classes that you should take into consideration when constructing your investment portfolio.

There are numerous investment alternatives available to help provide liquidity.

Tax-deferred retirement account withdrawals before age 59½ generally trigger a 10% federal tax penalty.

There are several funding methods for a child's college education including mutual funds and Section 529 plans.

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

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

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

Tax-deferred retirement plans for self-employed individuals have higher contribution limits than IRAs.

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.

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

A mutual fund is a collection of stocks, bonds, and other securities with certain benefits and risks.

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

Before investing in stocks, it is important to understand some of the basics and the risks involved in owning stocks.

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

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

Some of the pros and cons of whole life insurance.

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

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

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

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

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

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

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

Short-term cash management instruments can help you establish a sound cash management program.

A bond is simply evidence of a debt from a government entity or a corporation and represents a long-term IOU.

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

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

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

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