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40% of U.S. workers have saved
less than $25,000 for retirement.*

*2019 Retirement
Confidence Survey, EBRI

Only 42% of Americans know how
much money to save for retirement.*

*2019 Retirement Confidence Survey, EBRI

43% of retirees left
the workforce earlier
than planned.*

*2019 Retirement
Confidence Survey, EBRI

Articles

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

Retirement

  • What Is a SEP IRA?

    A SEP IRA is a type of plan under which the employer contributes (up to a certain limit) to an employee’s IRA.

  • What Is a SIMPLE?

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

  • What Is an IRA Rollover?

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

  • Don’t Bank Your Retirement on Your Business

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

  • What Is a Self-Employed Retirement Plan?

    Tax-deferred retirement plans for self-employed individuals have higher contribution limits than IRAs.

  • What Is a Traditional IRA?

    If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.

  • What Is a 401(k) Plan?

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

Tax Planning

Investing

  • Growth Stocks vs. Value Stocks

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

  • What Are Zero-Coupon Bonds?

    Zero-coupon bonds represent a type of bond that does not pay interest during the life of the bond.

  • What Is Diversification?

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

  • What Types of Bonds Are Available?

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

  • What Is a Bond?

    A bond is simply evidence of a debt from a government entity or a corporation and represents a long-term IOU.

  • What Do Bond Ratings Mean?

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

  • What Is a Stock Index?

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

  • How Do Mutual Funds and Stocks Differ?

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

  • What Is a Mutual Fund?

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

  • What Is a Closed-End Fund?

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

  • What Is a Mutual Fund Load?

    It’s important to understand mutual fund loads, or sales charges, and exactly what they entail so you can make informed investing decisions.

  • What Investment Risks Should I Know About?

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

  • What Are the Different Classes of Assets?

    There are five broad asset classes that you should take into consideration when constructing your investment portfolio.

  • What Is Asset Allocation?

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

Cash Management

Risk Management

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