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79% of Americans agree they would benefit from having basic financial education and information.

Source: The 2018 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.

  • Property Ownership

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

Retirement

  • SEP IRAs

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

  • SIMPLE Plans

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

  • Unforgettable Birthdays

    There are key dates after you turn 59 that can impact your taxes, Medicare eligibility, and retirement benefits.

  • Future of Social Security

    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.

  • Self-Employed Retirement Plans

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

  • Traditional IRAs

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

  • Roth IRAs

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

Tax Planning

  • Retirement Plan Limits

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

Investing

  • Stock

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

  • Mutual Funds

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

  • 529 Plans

    529 plans are tax-advantaged college savings plans that generally allow people of any income level to contribute.

Risk Management

  • Term Life Insurance

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

  • Whole Life Insurance

    Some of the pros and cons of whole life insurance.