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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.

It's important to understand the options, such as financial aid grant programs, when having to pay for college.

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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