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An employee stock ownership plan (ESOP) is a type of retirement plan that enables employees to have an ownership interest in the company. An ESOP may be a particularly good option for…

Just like individuals, the government, corporations, and banks often need to borrow money for a short time to make ends meet. Unlike most individuals, however, the scale of this borrowing is phenomenal.

Used to measure a business’s condition and performance, financial ratios can help you quantify your organization’s financial health and level of success. They are also used by those evaluating your business for…

Monthly Market Monitor – May 2015 Recap Market Indices1 May Year-to-Date S&P 500 1.29% 3.23% Russell 3000 1.38% 3.68% MSCI EAFE -0.51% 8.60% MSCI Emerging Markets -4.00% 5.69% Barclays US Aggregate Bond…

Understanding the threat of estate taxes on your life insurance proceeds is the first step in protecting these funds from unnecessary taxation. The next steps are determining the appropriate ownership of your…

Roth IRAs were primarily intended as a tax-advantaged way to save for retirement, but for some parents (and students with earned income), a Roth IRA can double as a college savings tool.…

If you want to leave your home to your children or other heirs and keep the property out of the costly and time-consuming probate process, you could place your home in a…

Annuities are insurance-based financial vehicles that can provide many benefits sought by retirement-minded investors. There are a number of reasons why people buy annuities.

The current economic expansion passed the 10-year mark in June 2019, becoming the longest growth streak in U.S. history. Despite its record-breaking durability, U.S. gross domestic product (GDP) growth was slower than…

Estate planning documents can help you manage your estate.

The most important attribute of a cash reserve is its availability in time of sudden need. And even though a federally insured savings account is considered one of the safest places to…

There is an old saying about being caught between a rock and a hard place. Many people might feel that way about providing financial support to children and aging parents while also…

Market Commentary – 10.03.13 The Malfunctioning U.S. Government The U.S. government is in a shutdown. According to “Google,â€쳌 a shutdown is “a closure of a factory or system, typically a temporary closure…

People have traditionally seen Social Security benefits as the foundation of their retirement planning programs. The Social Security contributions deducted from workers’ paychecks have, in effect, served as a government-enforced retirement savings…

Indexed annuities (IAs) set a new annual sales record in 2018, due in part to higher interest rates that allowed insurance companies to offer more appealing income withdrawal rates.1 Of course, the…

If you are concerned about the high costs of long-term care but don’t want to purchase traditional long-term care (LTC) insurance, you might consider two strategies that combine permanent life insurance coverage…

Research conducted by the Urban Institute suggests that many people with apparently stable positions face a job loss after age 50 with serious financial consequences.1 Analyzing data from the University of Michigan…

Monthly Market Monitor – February 2015 Recap Market Indices1 February Year-to-Date S&P 500 5.75% 2.57% Russell 3000 5.79% 2.85% MSCI EAFE 5.98% 6.50% MSCI Emerging Markets 3.10% 3.71% Barclays US Aggregate Bond…