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

A Roth 401(k) is funded with after-tax money, and allows for tax- and penalty-free withdrawal of earnings if requirements are met.

The Social Security Administration’s retirement estimator gives estimates of your future benefits based on your actual Social Security earnings record.

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

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

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

Couples who want to help protect their legacy from estate taxes could consider last-survivor life insurance.

There are numerous investment alternatives available to help provide liquidity.

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

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

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

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

IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

529 plans are tax-advantaged savings plans that generally allow people of any income level to contribute.

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

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

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

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

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

Consider a trustee-to-trustee transfer to an IRA versus a lump-sum distribution from a workplace retirement plan.

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

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.

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

Starting to invest early for college and remaining consistent can help investors reach their goals.

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

Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.

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

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

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

Some of the pros and cons of whole life insurance.

With traditional IRAs and most employer-sponsored retirement plans, taxes are not payable until funds are withdrawn.

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.

As a business owner, a disability can create an economic hardship putting both your personal finances and business at risk.

Medicare is the federal health insurance program for those persons age 65 and over. But what does it cover?

Life insurance can be used to help preserve the value of your estate for your heirs.

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

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

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

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

Employer-sponsored retirement plans are more important than ever, but managing the assets can be confusing.

One attractive feature of an annuity is tax-deferral but qualified and non-qualified annuities are taxed differently.

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

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

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

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

Changes to the tax code have left a few key deductions for itemizers, like medical, dental and some business expenses.

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.

Split-dollar life insurance is an arrangement to purchase and fund life insurance between two parties.

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

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

Greater demand is being placed on the Social Security system as the baby boom generation has begun to retire.

An annuity is a contract between you and an insurance company to pay you future income in exchange for premiums you pay.

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

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

If you haven't taken steps already, consider planning now for the distribution of the assets of your estate.

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

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

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