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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.

Careful estate planning is still one of the most important ways to manage and protect your assets for your heirs.

A wealth replacement trust could be used to gift appreciated assets to a charity as well as provide for heirs.

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

Compare the advantages and disadvantages of different gifting strategies available for planned giving.

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.

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

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.

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

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.

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

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

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

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

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

Even if your state doesn’t require certain types of auto insurance, it may be wise to purchase multiple types to ensure you are covered for a variety of situations.

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

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

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