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

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.

Here are some smart ways to refinance your home.

Shifting some debt to a home equity loan, which typically allows interest payments to be tax deductible, could have its advantages.

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

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

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

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

One estate planning strategy that families with closely held businesses could consider is the family limited partnership.

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.

Mutual fund taxes can be cumbersome, but there are ways to help mitigate the amount of taxes you may owe.

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

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

Dollar-cost averaging involves investing a set amount of money on a regular basis, regardless of market conditions.

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

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

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

There are other ways to invest in stocks and bonds besides owning individual shares or bonds.

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

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

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

There are key dates after you turn 59½ that can impact your taxes, Medicare eligibility, and retirement benefits.

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

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

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

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

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.

Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.

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

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.

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

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.

A business owner policy is an insurance package that assembles the basic coverages required by a business owner in one bundle.

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

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

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

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

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

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

Many traditional tax-advantaged investment strategies have gone away, but there are still some alternatives.

Capital gains are profits realized from the sale of assets; a tax is triggered only when an asset is sold, not held.

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

The federal gift tax applies to gifts of property or money while the donor is living.

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