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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.

Here are some smart ways to refinance your home.

Biweekly mortgage payments can have a dramatic effect on the amount of interest homeowners have to pay.

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

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

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.

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

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

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.

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

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

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

Greater demand is being placed on the Social Security system as the baby boom generation has begun to retire.

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

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

Using a financially sound insurance company is an important part of ensuring your family’s financial security.

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

For the grantor, there are a few potential tax benefits that can come with setting up a charitable trust.

IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

A 1035 exchange allows you to exchange your life insurance policy for one from another company without tax liability.

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

United States tax law is a constantly changing landscape. The latest major piece of tax legislation is the Tax Cuts and Jobs Act of 2017.

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.

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.

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