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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.

Retirement

  • SIMPLE IRAs

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

  • IRA Rollover

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

  • 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.

  • Your Business and Retirement

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

  • 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.

  • 401(k) Plans

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

  • Managing Retirement Plans

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

  • Roth IRAs

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

Tax Planning

  • Tax-Free Investments

    It’s important to understand tax-exempt vehicles when establishing a comprehensive tax planning strategy.

Investing

  • Common Stock vs. Preferred Stock

    It’s important to understand the strengths and weaknesses of common stock versus preferred stock.

  • 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.

  • Stock

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

  • Diversification

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

  • Types of Bonds

    Bonds are issued by many entities and share many characteristics, each type of bond has certain benefits and risks.

  • Stock Indexes

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

  • Mutual Funds vs. Stocks

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

  • Closed-End Funds

    With closed-end funds, investors pool their money together to purchase a professionally managed portfolio of stocks and/or bonds.

  • Fixed vs. Variable Annuities

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

  • Investment Risks

    Understanding different types of investment risk can help investors manage their money more effectively.

  • Asset Allocation

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

  • 529 Plans

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

Cash Management

  • Cash Management Basics

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

  • Cash Management Tools

    Short-term cash management instruments can help you establish a sound cash management program.

Risk Management

  • Long-Term-Care Needs

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