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.
Business Owner Policies
A business owner policy is an insurance package that assembles the basic coverages required by a business owner in one bundle.
Why Purchase Life Insurance
If you have a family who relies on your income, it is important to have life insurance protection.
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.
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.
Assessing Disability Income Insurance
Knowing the basics of a disability income insurance policy is a good first step toward protecting your family.
Types of Health Coverage
Additional Liability Coverage
Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.
Evaluating Insurance Companies
Using a financially sound insurance company is an important part of ensuring your family’s financial security.
Long-Term Care Costs
The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.
A bond is simply evidence of a debt from a government entity or a corporation and represents a long-term IOU.
Understanding different types of investment risk can help investors manage their money more effectively.
There are five broad asset classes that you should take into consideration when constructing your investment portfolio.
College Investment Options
Starting to invest early for college and remaining consistent can help investors reach their goals.
Dollar-cost averaging involves investing a set amount of money on a regular basis, regardless of market conditions.
Estates & Trusts
The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.
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
Compare the advantages and disadvantages of different gifting strategies available for planned giving.
Family Limited Partnerships
Sole ownership, joint tenancy, tenancy in common, and community property have special benefits for property owners.
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.
Managing Retirement Plans
Employer-sponsored retirement plans are more important than ever, but managing the assets can be confusing.
Save Now or Save Later
If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.