Research Articles

• Am I Prepared for Long-Term Care Expenses?

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

• Do I Need Disability Income Insurance?

  Knowing the basics of a disability income insurance policy is a good first step toward protecting your family.

• How Can a Living Trust Help Me Control My Estate?

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

• How Can I Benefit from a Charitable Lead Trust?

  Charitable lead trusts are designed for people who would like to benefit a charity now rather than later.

• How Can I Benefit from a Charitable Remainder Trust?

  A designated income beneficiary could receive payment of a specified amount from a charitable remainder trust.

• How Can I Benefit from a Wealth Replacement Trust?

  A wealth replacement trust could be used to gift appreciated assets to a charity as well as provide for heirs.

• How Can My Gift Benefit Me and the Charity?

  To retain the tax advantages associated with charitable giving, your gift must be made to a qualified organization.

• How Likely Am I to Need Long-Term Care?

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

• How Long Will It Take to Double My Money?

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

• How Will I Pay Estate Taxes?

  If you believe your estate will be subject to estate taxes, consider how your heirs will pay the bill.

• What Are Some Tips for Managing My Money?

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

• What Are the Pitfalls of Probate?

  The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.

• What Is Tax Deferral?

  There can be a substantial benefit to deferring taxes as long as possible.

• What Is the Best Form of Property Ownership for Me?

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

• What Is the History of the Federal Estate Tax?

  Careful estate planning is still one of the most important ways to manage and protect your assets for your heirs.

• What Is the Tax History of the United States?

  United States tax law is a constantly changing landscape. The latest major piece of tax legislation is the Tax Cuts and Jobs Act of 2017.

• What Key Estate Planning Tools Should I Know About?

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

• What Savings Alternatives Are Available?

  There are a number of savings alternatives that could help you earn a reasonable rate of return.