Articles

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.

Retirement

  • What Is a SIMPLE?

    The SIMPLE plan may appeal to small business owners as it is easy to set up, administer, and allows for a tax deduction.

  • What Is a Roth 401(k)?

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

  • What Is a Profit-Sharing Plan?

    Profit-sharing plans give employees a share in the profits of a company and can help to fund their retirements.

  • What Is a 403(b) Plan?

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

  • Don’t Bank Your Retirement on Your Business

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

  • What Are My Retirement Planning Options?

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

  • Will Social Security Retire Before You Do?

    Greater demand is being placed on the Social Security system as the baby boom generation has begun to retire.

  • Social Security Income

    The Social Security Administration’s retirement estimator gives estimates of your future benefits based on your actual Social Security earnings record.

  • What Is a Self-Employed Retirement Plan?

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

  • Retirement Plan Distributions

    When receiving money accumulated in your employer-sponsored retirement plan, you have two options: lump sum or annuity.

  • What Is a Traditional IRA?

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

  • What Is a 401(k) Plan?

    401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.

  • How Should I Manage My Retirement Plan?

    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.

  • What Is a Roth IRA?

    Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.

Tax Planning

Investing

  • Growth Stocks vs. Value Stocks

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

  • How Are Mutual Funds Taxed?

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

  • What Is Stock?

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

  • What Is Diversification?

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

  • What Is a Stock Index?

    Stock market indexes can be useful benchmarks for gauging the performance of an investment portfolio over time.

  • How Do Mutual Funds and Stocks Differ?

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

  • What Is a Mutual Fund?

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

  • What Is a Mutual Fund Load?

    It’s important to understand mutual fund loads, or sales charges, and exactly what they entail so you can make informed investing decisions.

Cash Management

Risk Management