What Is the Best Form of Property Ownership for Me?
In planning your estate, it is customary to consider wills and trusts (as well as intestacy) as a means of
Read MoreArticles
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
Could My Family Benefit from a Family Limited Partnership?
Effective estate planning should address wealth transfer from a practical and cost-effective approach. One estate planning strategy that families with
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How Can I Benefit from a Wealth Replacement Trust?
Charitable giving can be a rewarding experience by allowing you to both give and receive. To enjoy the benefits of
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How Can I Benefit from a Charitable Remainder Trust?
Sometimes it takes tough economic times and natural disasters to unite and bring out the best in people. Natural disasters
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How Can I Benefit from a Charitable Lead Trust?
Charitable lead trusts are designed for people who would like to benefit a charity now rather than later. You may
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What Gifting Strategies Are Available to Me?
There are a number of different gifting strategies available for planned giving. Each has its advantages and disadvantages. Instead of
Read MoreRetirement
What Is a Roth IRA?
Roth IRAs are tax-favored financial vehicles that enable investors to save money for retirement. They differ from traditional IRAs in
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Save Now or Save Later?
Most people have good intentions about saving for retirement. But few know when they should start and how much they
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What Is a 401(k) Plan?
A 401(k) plan is a self-directed, qualified retirement plan established by an employer to provide future retirement benefits for employees.
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What Is a Traditional IRA?
Traditional individual retirement accounts (IRAs) can be a good way to save for retirement. If you do not participate in
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What Is a Self-Employed Retirement Plan?
A self-employed retirement plan is a tax-deferred retirement savings program for self-employed individuals. In the past, the term "Keogh plan"
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How Can I Estimate My Future Social Security Benefits?
Estimating your future Social Security benefits used to be a difficult task, but not any longer. For an estimate of
Read MoreTax Planning
Is There Such a Thing as a Tax-Free Investment?
The simple answer to this question is “yes.” There are two main types: (1) municipal bonds and municipal bond mutual
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What Is the Most Tax-Efficient Way to Take a Distribution From a Retirement Plan?
If you receive a distribution from a qualified retirement plan such as a 401(k), you need to consider whether to
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What Tax Deductions Are Still Available to Me?
Tax reform measures are enacted frequently by Congress, which makes it hard for U.S. taxpayers to know which deductions are
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What Is Tax Deferral?
“Tax deferral” is a method of postponing the payment of income tax on currently earned investment income until the investor
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What Happens If I Withdraw Money from My Tax-Deferred Investments Before Age 59½?
Withdrawing taxable funds from a tax-deferred retirement account before age 59½ generally triggers a 10% federal tax penalty, on top of
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When Must Taxes Be Paid on IRA and Employer-Sponsored Retirement Funds?
Traditional IRAs and most employer-sponsored retirement plans are tax-deferred accounts, which means they are typically funded with pre-tax or tax-deductible
Read MoreInvesting
529 Lesson Plan: High Scores for 529 Plans
Looking for a tax-advantaged college savings plan that has no age restrictions and no income phaseout limits — and one
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What Is Dollar-Cost Averaging?
Every investor dreams of buying into the market at a low point, just before it hits an upswing, and garnering
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What Stock and Bond Investing Alternatives Do I Have?
Many prudent investors may have at least some of their holdings in stocks, corporate bonds, or both. In fact, when
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How Can I Save for My Child’s College Education?
Once you’ve determined how much it could cost to send your children to college, your next prudent step is to
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What Is Asset Allocation?
Lewis Carroll, the author of Alice’s Adventures in Wonderland, once said, “If you don’t know where you’re going, any road will
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What Are the Different Classes of Assets?
When it comes to investing their money, many people are content to take a random approach. They may have received
Read MoreCash Management
What About Financial Aid for College?
Financial aid for college consists of loans, grants, scholarships, and work study. Grants and scholarships are worth searching for because
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How Long Will It Take to Double My Money?
Before making any investment decision, one of the key elements you face is working out the real rate of return
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What Are Some Tips for Managing My Money?
What Are Some Tips for Managing My Money? As with virtually all financial matters, the easiest way to be successful
Read MoreRisk Management
What Are the Basic Types of Life Insurance?
One of the best ways to protect against the financial consequences of a primary wage earner’s premature death is life
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What Does Medicare Cover?
Medicare is the federal health insurance program for persons age 65 and older as well as certain disabled individuals. In
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How Can I Determine the Financial Strength of My Insurance Company?
How do you compare life insurance companies? What features do you examine? What criteria do you use? How do you
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What Is the Difference Between an HMO and a PPO?
Selecting health insurance is often one of the most important decisions you will make. Health maintenance organizations (HMOs) and preferred
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How Can I Extend My Liability Coverage?
In this litigious society, no one is immune from potential lawsuits. Anyone with significant assets might need protection from the
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What Types of Health Coverage Are Available?
Rising health-care costs have driven the demand for, and the price of, medical insurance sky-high. The availability of group coverage
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