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Financial Concepts

Click on the areas of interest below to gain insight for financial decisions. Print them out if you wish.

Income Protection

• How Much Will You Earn in a Lifetime?
• Capital Needed to Replace Earning Power
• Personal Financial Security Needs
• Odds of Dying (Male)
• Odds of Dying (Female)
• How Much Life Insurance Do I Need?
• If Disability Strikes
• Sources of Funds During a Critical Illness

Retirement

• Financial Independence at Retirement
• Importance of Planning for Retirement
• Capital Required at Retirement
• The Price of Delaying Retirement Savings
• Odds to Living to Retirement at Age 65 (Male)
• Odds to Living to Retirement at Age 65 (Female)
• Important Facts About Social Security Retirement Benefits
• Hypothetical Pension Benefit Results
• Long-Term Care...Did You Know?
• Need for Long-Term Care Insurance

Education Strategies

• Approximate Undergraduate Costs
• Impact of Inflation on College Costs
• Education Funding Option
• Education Tax Incentives (Overview)
• Education Savings Account Basics
• Qualified State Tuition Program Basics

Charitable

• Wealth Replacement Trust in Action
• Charitable Remainder Trust in Action
• Charitable Lead Trust
• Charitable Gift Annuity or Pooled Income Fund
• Split-Interest Charitable Gifts
• Retirement Plan Assets

Life Insurance

• Why People Buy Life Insurance
• How Much Life Insurance Do I Need?
• Do You Still Have Enough Life Insurance?
• Types of Life Insurance
• Types of Cash Value Life Insurance
• Types of Term Insurance
• Term Insurance Variation: Level Term Insurance
• Life Insurance/Long-Term Care Hybrid Plans

Estate

• The High Cost of Dying
• Estate Shrinkage in Action
• Estate Shrinkage Profiles
• Estate Tax Flow Chart
• The Estate Analysis Process
• Paying the Estate Tax Bill

Wealth Strategies

• How Much Will You Earn in a Lifetime?
• Managing Your Finances
• Tax-Favored Retirement Savings
• Deferred Annuity in Action
• Life Expectancy After Retirement
• Income Annuity Solution
• Regular IRA vs. Roth IRA...A 2025 Comparison
• A TDA Solution