79% of Americans agree they would benefit from having basic financial education and information. Source: The 2018 Consumer Financial Literacy Survey, The National Foundation for Credit Counseling
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.
Split-Dollar Life Insurance
Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.
Why Purchase Life Insurance
If you have a family who relies on your income, it is important to have life insurance protection.
Property and Casualty Insurance
Last-Survivor Life Insurance
Couples who want to help protect their legacy from estate taxes could consider last-survivor life insurance.
Term Life Insurance
Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.
Whole Life Insurance
Some of the pros and cons of whole life insurance.
Universal Life Insurance
Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.
Variable Life Insurance
Variable life insurance gives you the control to allocate your account value among a variety of investment options.
Maximizing Your Insurance Benefits
Several factors could undermine the financial security provided by the proceeds of your life insurance policy.
Types of Health Coverage
Additional Liability Coverage
Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.
HMOs and PPOs
Long-Term Care Costs
The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.
Bond ratings gauge a bond issuer’s financial ability to repay its promised principal and interest payments.
There are five broad asset classes that you should take into consideration when constructing your investment portfolio.
Asset allocation is a method used to help manage investment risk; it does not guarantee a profit or protect against investment loss.
College Investment Options
Starting to invest early for college and remaining consistent can help investors reach their goals.
An indexed annuity may provide some upside potential and downside protection.
Retirement Plan Distributions
When receiving money accumulated in your employer-sponsored retirement plan, you have two options: lump sum or annuity.
If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.
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.
Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.
There are a variety of retirement planning options that could help meet your needs. Here are some of the most popular.
Future of Social Security
Estates & Trusts
To retain the tax advantages associated with charitable giving, your gift must be made to a qualified organization.
Controlling the Distribution
If you haven’t taken steps already, consider planning now for the distribution of your estate’s assets.
Paying Estate Taxes
If you believe your estate will be subject to estate taxes, consider how your heirs will pay the bill.
Benefits of A-B Trusts
Charitable Lead Trusts
Charitable lead trusts are designed for people who would like to benefit a charity now rather than later.
Family Limited Partnerships
Sole ownership, joint tenancy, tenancy in common, and community property have special benefits for property owners.