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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.

Cash Management

Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.

Cash Management

A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.

Cash Management

There are numerous investment alternatives available to help provide liquidity.

Cash Management

It's important to understand the options, such as financial aid grant programs, when having to pay for college.

Estates & Trusts

A living trust can help control the distribution of your estate upon death.

Estates & Trusts

Life insurance can be used to help preserve the value of your estate for your heirs.

Estates & Trusts

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

Estates & Trusts

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

Estates & Trusts

Sole ownership, joint tenancy, tenancy in common, and community property have special benefits for property owners.

Investing

Mutual fund taxes can be cumbersome, but there are ways to help mitigate the amount of taxes you may owe.

Investing

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

Investing

With closed-end funds, investors pool their money together to purchase a professionally managed portfolio of stocks and/or bonds.

Investing

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

Investing

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

Investing

Before investing in stocks, it is important to understand some of the basics and the risks involved in owning stocks.

Investing

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

Investing

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

Investing

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

Investing

ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.

Retirement

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

Retirement

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

Retirement

A 403(b) plan is a tax-deferred retirement savings plan that can only be offered by a 501(c)(3) tax-exempt entity.

Retirement

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

Retirement

Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.

Retirement

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

Retirement

Tax-deferred retirement plans for self-employed individuals have higher contribution limits than IRAs.

Retirement

There are a variety of retirement planning options that could help meet your needs. Here are some of the most popular.

Retirement

Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.

Retirement

A Roth 401(k) is funded with after-tax money, and allows for tax- and penalty-free withdrawal of earnings if requirements are met.

Risk Management

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.

Risk Management

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

Risk Management

Property and casualty insurance can help protect a variety of assets. Find out what it does and doesn’t cover.

Risk Management

The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

Risk Management

An annuity is a contract between you and an insurance company to pay you future income in exchange for premiums you pay.

Tax Planning

Want to keep more of your mutual fund profits? You may be interested in strategies to help lower your tax liability.

Tax Planning

IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

Tax Planning

Consider a trustee-to-trustee transfer to an IRA versus a lump-sum distribution from a workplace retirement plan.

Tax Planning

United States tax law is a constantly changing landscape. The latest major piece of tax legislation is the Tax Cuts and Jobs Act of 2017.

Tax Planning

With traditional IRAs and most employer-sponsored retirement plans, taxes are not payable until funds are withdrawn.

Tax Planning

Changes to the tax code have left a few key deductions for itemizers, like medical, dental and some business expenses.

Tax Planning

Many traditional tax-advantaged investment strategies have gone away, but there are still some alternatives.

Tax Planning

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

Tax Planning

Tax-deferred retirement account withdrawals before age 59½ generally trigger a 10% federal tax penalty.

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