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.

• Living Trusts

  A living trust can help control the distribution of your estate upon death.

• Family Limited Partnerships

  One estate planning strategy that families with closely held businesses could consider is the family limited partnership.

• 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 IRAs

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

• Stretch IRAs

  A “stretch” or “multigenerational” IRA may be a useful approach to extend tax-deferred savings that can benefit your heirs for generations.

• IRA Rollover

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

• 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.

• Why Purchase Annuities

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

• Split-Annuity Strategy

  A split-annuity strategy can generate immediate income while potentially stretching some retirement savings.

• Annuity Living Benefits

  Living benefits can help protect variable annuity owners from running out of money in retirement.

• 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.

• 1035 Exchanges

  A Section 1035 exchange is a tax-free exchange of an existing annuity contract or life insurance policy for a new one.

• Unforgettable Birthdays

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

• Your Business and Retirement

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

• Planning Options

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

• 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.

• Indexed Annuities

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

• Retirement Plan Distributions

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

• 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.

• Save Now or Save Later

  If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.

• Roth IRAs

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

Cash Management

• Cash Management Basics

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

• Managing Cash

  There are numerous investment alternatives available to help provide liquidity.

Risk Management

• Business Owner Policies

  A business owner policy is an insurance package that assembles the basic coverages required by a business owner in one bundle.

• Life Insurance for Business Owners

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

• 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.

• Universal Life Insurance

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

• Variable Life Insurance

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

• Maximizing Your Insurance Benefits

  Several factors could undermine the financial security provided by the proceeds of your life insurance policy.

• Insuring Your Future

  To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

• Types of Health Coverage

  There are three basic types of medical insurance plans: fee-for-service, managed care, and high-deductible health plan.

• HMOs and PPOs

  Selecting health insurance is often one of the most important decisions you will make. Do you know the different types?

• Evaluating Insurance Companies

  Using a financially sound insurance company is an important part of ensuring your family’s financial security.

• Long-Term Care Costs

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

• Long-Term-Care Needs

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

• Types of Life Insurance

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