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75% of Americans agree they would benefit from having basic financial education and information.

Source: The 2016 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.

Estates & Trusts

  • Estate Planning

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

  • Gifting Strategies

    Compare the advantages and disadvantages of different gifting strategies available for planned giving.

  • Property Ownership

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

Retirement

Tax Planning

  • Capital Gain Tax

    Capital gains are profits realized from the sale of assets; a tax is triggered only when an asset is sold, not held.

  • Required Minimum Distributions

    Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

  • Withdrawing Before Age 59.5

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

Investing

  • Dividends

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

  • Growth Stocks vs. Value Stocks

    The labels “growth” and “value” reflect different approaches that can be used when making investment decisions.

  • Asset Allocation

    Asset allocation is a method used to help manage investment risk; it does not guarantee against investment loss.

Cash Management

  • Cash Management Basics

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

  • College Financial Aid

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

  • Home Equity Loans

    Shifting some debt to a home equity loan, which typically allows int pmts to be tax ded, could have its advantages.

Risk Management

  • Assessing Disability Income Insurance

    Knowing the basics of a disability income insurance policy is a good first step toward protecting your family.

  • Additional Liability Coverage

    Consider add'l liability ins. to help protect you from the potentially devastating effects of liability lawsuits.

  • Long-Term-Care Needs

    If you were to suffer an illness or disability that required long-term nursing care, would you be covered?

  • Types of Life Insurance

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