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Articles – Personal Finance

Gift Tax

What Is the Gift Tax? The federal gift tax applies to gifts of property or money while the donor is living. The federal estate tax, on the other hand, applies to property conveyed to others (with the exception of a... Read more

Estate Tax

What Is the Estate Tax? The estate tax is a tax on property that transfers to others upon your death. Estate taxes are assessed on the total value of your estate — your home, stocks, bonds, life insurance, and other... Read more

Capital Gain Tax

What Is the Capital Gain Tax? Capital gains are the profits realized from the sale of capital assets such as stocks, bonds, and property. The capital gain tax is triggered only when an asset is sold, not while the asset... Read more

Roth IRAs

What Is a Roth IRA? Roth IRAs are tax-favored financial vehicles that enable investors to save money for retirement. They differ from traditional IRAs in that taxpayers cannot deduct contributions made to a Roth. However, qualified Roth IRA distributions in... Read more

Save Now or Save Later

Save Now or Save Later? Most people have good intentions about saving for retirement. But few know when they should start and how much they should save. Sometimes it might seem that the expenses of today make it too difficult... Read more

Managing Retirement Plans

How Should I Manage My Retirement Plan? Employer-sponsored retirement plans are more valuable than ever. The money in them accumulates tax deferred until it is withdrawn, typically in retirement. Distributions from a tax-deferred retirement plan such as a 401(k) are taxed... Read more

401(k) Plans

What Is a 401(k) Plan? A 401(k) plan is a self-directed, qualified retirement plan established by an employer to provide future retirement benefits for employees. Employee contributions are made on a pre-tax basis, and employer contributions are often tax deductible.... Read more

Traditional IRAs

What Is a Traditional IRA? Traditional individual retirement accounts (IRAs) can be a good way to save for retirement. If you do not participate in an employer-sponsored retirement plan or would like to supplement that plan, a traditional IRA could work... Read more

Retirement Plan Distributions

Retirement Plan Distributions When it comes to receiving the fruits of your labor — the money accumulated in your employer-sponsored retirement plan — you are faced with a few broad options. Should you take the payout as systematic payments, a... Read more

Indexed Annuities

Indexed Annuities If you want to participate in the potentially attractive returns of a market-driven investment but would also like a guaranteed return, an indexed annuity might be worth checking out. The performance of indexed annuities, also referred to as... Read more

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