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

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

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

Money market funds can be a highly liquid and effective cash management tool.

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

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

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

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

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

An annuity is a flexible financial vehicle that can help protect against the risk of living a long time because it provides an option for a lifetime income.

The labels growth and value reflect different approaches that can be used when making investment decisions.

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

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

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

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

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

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

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

It is important to understand how dividends (taxable payments to shareholders) fit with your long-term goals.

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

There are several funding methods for a child's college education including mutual funds and Section 529 plans.

Bond ratings gauge a bond issuer’s financial ability to repay its promised principal and interest payments.

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

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

A 403(b) plan is a tax-deferred retirement savings plan that can only be offered by a 501(c)(3) tax-exempt entity.

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

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

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

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

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

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

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

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

Some of the pros and cons of whole life insurance.

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

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

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

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

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

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

If you have a family who relies on your income, it is important to have life insurance protection.

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

For the grantor, there are a few potential tax benefits that can come with setting up a charitable trust.

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

A 1035 exchange allows you to exchange your life insurance policy for one from another company without tax liability.

Everything you own, whatever the form of ownership, is subject to federal, and possibly state, estate taxes.