Articles

Retirement

• What Is a SEP IRA?

  A SEP IRA is a type of plan under which the employer contributes (up to a certain limit) to an employee’s IRA.

• What Is an IRA Rollover?

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

• 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 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.

• Why Do People Buy Annuities?

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

• How Much Do I Need to Save?

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

• A New Chapter for Retirement

  With the changing pension landscape, it is important to take charge of your own retirement security.

• Should You 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.

• How Can I Estimate My Future Social Security Benefits?

  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.

• 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.

Investing

• How Do Mutual Funds and Stocks Differ?

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

Cash Management

• What Are Some Tips for Managing My Money?

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

• How Long Will It Take to Double My Money?

  Before making investment decisions, it is helpful to determine the real rate of return on the investment.

• What Savings Alternatives Are Available?

  There are a number of savings alternatives that could help you earn a reasonable rate of return.

• How Does Inflation Affect Me?

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

Risk Management

• What Is Term Life Insurance?

  Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

• How Likely Am I to Need Long-Term Care?

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