Articles

Estates & Trusts

• Estate Planning

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

• Charitable Giving

  To retain the tax advantages associated with charitable giving, your gift must be made to a qualified organization.

Retirement

• IRA Rollover

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

• 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.

• Your Business and Retirement

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

• Traditional IRAs

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

• 401(k) Plans

  401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.

• Save Now or Save Later

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

• Roth IRAs

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

Investing

• Dividends

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

• Diversification

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

• Stock Indexes

  Stock market indexes can be useful benchmarks for gauging the performance of an investment portfolio over time.

• Mutual Funds vs. Stocks

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

• Mutual Funds

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

• Fixed vs. Variable Annuities

  Both fixed and variable annuities could be appropriate options for an individual interested in purchasing an annuity.

• College Savings Plans

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

• College Investment Options

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

• 529 Plans

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

Risk Management

• Why Purchase Life Insurance

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

• Term Life Insurance

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

• Insuring Your Future

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

• Additional Liability Coverage

  Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

• 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?

• Types of Life Insurance

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