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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

Tax Planning

  • Required Minimum Distributions

    Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

  • Withdrawing Before Age 59.5

    Tax-deferred retirement account withdrawals before age 59½ generally triggers a 10% federal income tax penalty.

  • Tax-Advantaged Alternatives

    While stable, CDs can create quite an income tax bill. Fixed annuities and municipal bonds can offer tax advantages.

  • Tax-Free Investments

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

  • Tax-Free Insurance Upgrades

    A 1035 exchange allows you to exchange your life insurance policy for one from another company w/o tax liability.

Investing

  • Exchange-Traded Funds

    ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.

  • Diversification

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

  • Mutual Funds vs. Stocks

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

  • Fixed vs. Variable Annuities

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

  • Asset Allocation

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

  • 529 Plans

    529 plans are a 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.

  • Doubling Your Money

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

  • Managing Cash

    There are numerous investment alternatives available to help provide liquidity.

  • Biweekly Mortgages

    Biweekly mortgage payments can have a dramatic effect on the amount of interest homeowners have to pay.

  • Reverse Mortgages

    There are techniques that can enable older homeowners to use their property to finance their lifestyle.

Risk Management

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Check the background of this financial professional on FINRA's BrokerCheck