Articles

Eighty percent of Americans agree they would benefit from having basic financial education and information.^1
1 The 2009 Consumer Financial Literacy Survey, Harris Interactive, Inc., 2009

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

  Charitable Gifts
  Controlling the Distribution
  Benefits of A-B Trusts
  Gifting Strategies
  Charitable Lead Trusts
  Charitable Remainder Trusts
  Wealth Replacement Trusts
  Family Limited Partnerships
  Property Ownership
  

  Retirement

  How Much Do I Need to Save
  A New Chapter for Retirement
  SIMPLE IRAs
  Stretch IRAs
  IRA Rollover
  Roth 401(k)
  Profit-Sharing Plans
  Money Purchase Pension Plans
  403(b) Plans
  Why Purchase Annuities
  Split-Annuity Strategy
  Annuity Living Benefits
  1035 Exchanges
  Unforgettable Birthdays
  Your Business and Retirement
  Planning Options
  Future of Social Security
  Social Security Income
  Self-Employed Retirement Plans
  Retirement Plan Distributions
  Traditional IRAs
  401(k) Plans
  Managing Retirement Plans
  Save Now or Later
  Roth IRAs
  

• Tax Planning

  Capital Gains Tax
  Estate Tax
  Gift Tax
  Retirement Plan Limits
  Estate Tax Repeal
  Required Minimum Distributions
  Charitable Trust Tax Benefits
  Retirement Plan Taxes
  Withdrawing Before Age 59.5
  Tax-Free Insurance Upgrades
  

  Investing

  Dividends
  Exchange-Traded Funds
  Growth Stocks vs. Value Stocks
  Mutual Fund Taxes
  Stock
  Zero-Coupon Bonds
  Diversification
  Types of Bonds
  Bonds
  Bond Ratings
  Stock Indexes
  Investment Risks
  Asset Classes
  Asset Allocation
  College Savings Plans
  College Investment Options
  Managed Investments
  Dollar-Cost Averaging
  

  Cash Management

  Cash Management Basics
  Doubling Your Money
  Cash Management Tools
  Money Market Funds
  Managing Cash
  Smart Financing Ideas
  College Financial Aid
  Savings Alternatives
  Effects of Inflation
  

• Risk Management

  Why Purchase Life Insurance
  Annuities as an Insurance Product
  Property and Casualty Insurance
  Business Owner Policies
  Life Insurance for Business Owners
  Split-Dollar Life Insurance
  Last-Survivor Life Insurance
  Disability Insurance for Business Owners
  Types of Life Insurance
  Term Life Insurance
  Whole Life Insurance
  Universal Life Insurance
  Auto Insurance
  Insurance Claims
  Maximizing Insurance Benefits
  Insuring Your Future
  Protecting Your Home
  Assessing Disability Insurance
  Types of Health Care
  Additional Liability Coverage
  HMOs and PPOs
  Evaluating Insurance Companies
  Long-Term-Care Costs
  Medicare Coverage