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.

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Retirement

What Is a SEP IRA?

A SEP IRA is a type of plan under which the employer contributes (up to a certain limit) to an employee’s IRA.
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 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.
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 Money Purchase Pension Plan?

A money purchase plan is a retirement plan where employer contributions are based on a fixed percentage of compensation.
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.
Why Do People Buy Annuities?

Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.
What Is a Split-Annuity Strategy?

A split-annuity strategy can generate immediate income while potentially stretching some retirement savings.
What Are 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.
What Does the Changing Pension Landscape Mean 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.
Unforgettable Birthdays

There are key dates after you turn 59½ that can impact your taxes, Medicare eligibility, and retirement benefits.
Should You Bank Your Retirement on Your Business?

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

Tax Planning

What Is the Capital Gain Tax?

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

Everything you own, whatever the form of ownership, is subject to federal, and possibly state, estate taxes.
What Is the Gift Tax?

The federal gift tax applies to gifts of property or money while the donor is living.
How Much Money Can I Put Into My IRA or Employer-Sponsored Retirement Plan?

IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.
What Is a Required Minimum Distribution?

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.
What Are the Tax Benefits of Charitable Trusts?

For the grantor, there are a few potential tax benefits that can come with setting up a charitable trust.
When Must Taxes Be Paid on IRA and Employer-Sponsored Retirement Funds?

With traditional IRAs and most employer-sponsored retirement plans, taxes are not payable until funds are withdrawn.
What Happens If I Withdraw Money from My Tax-Deferred Investments Before Age 59½

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

Investing

What Are Dividends?

It is important to understand how dividends (taxable payments to shareholders) fit with your long-term goals.
What Is an Exchange-Traded Fund?

ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.
How Are Growth and Value Stocks Different?

The labels growth and value reflect different approaches that can be used when making investment decisions.
How Are Mutual Funds Taxed?

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

Before investing in stocks, it is important to understand some of the basics and the risks involved in owning stocks.
What Are Zero-Coupon Bonds?

Zero-coupon bonds represent a type of bond that does not pay interest during the life of the bond.

Risk Management

Why Purchase Life Insurance?

If you have a family who relies on your income, it is important to have life insurance protection.
Why Are Annuities Considered 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.
What Is Property and Casualty Insurance?

Property and casualty insurance can help protect a variety of assets. Find out what it does and doesn’t cover.
Do I Need a Business Owner Policy?

A business owner policy is an insurance package that assembles the basic coverages required by a business owner in one bundle.
What Is 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.
What Is Split-Dollar Life Insurance?

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.
What Is Last-Survivor Life Insurance?

Couples who want to help protect their legacy from estate taxes could consider last-survivor life insurance.
What Is 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.
What Are the Basic Types of Life Insurance?

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

Courtney Willey

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