Articles

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

An annuity is a flexible financial vehicle that can help protect against the risk of living a long time because it provides an option for a lifetime income.

One attractive feature of an annuity is tax-deferral but qualified and non-qualified annuities are taxed differently.

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

Employer-sponsored retirement plans are more important than ever, but managing the assets can be confusing.

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

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

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

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

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

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

An indexed annuity may provide some upside potential and downside protection.

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

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

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

Company-owned life insurance is one way to help protect a business from financial problems caused by the death of a key employee.

Some of the pros and cons of whole life insurance.

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

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

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

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

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

If you have a family who relies on your income, it is important to have life insurance protection.

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

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

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

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