An important element to successful investing is to manage investment risk while maintaining the potential for growth.

Bonds are issued by many entities and share many characteristics, each type of bond has certain benefits and risks.

A bond is simply evidence of a debt from a government entity or a corporation and represents a long-term IOU.

Bond ratings gauge a bond issuer’s financial ability to repay its promised principal and interest payments.

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

The difference between purchasing an individual stock versus shares in a mutual fund to potentially earn dividends.

A mutual fund is a collection of stocks, bonds, and other securities with certain benefits and risks.

With closed-end funds, investors pool their money together to purchase a professionally managed portfolio of stocks and/or bonds.

It’s important to understand mutual fund loads, or sales charges, and exactly what they entail so you can make informed investing decisions.

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.

Both fixed and variable annuities could be appropriate options for an individual interested in purchasing an annuity.

Understanding different types of investment risk can help investors manage their money more effectively.

There are five broad asset classes that you should take into consideration when constructing your investment portfolio.

Asset allocation is a method used to help manage investment risk; it does not guarantee a profit or protect against investment loss.

There are several funding methods for a child's college education including mutual funds and Section 529 plans.

Starting to invest early for college and remaining consistent can help investors reach their goals.

There are other ways to invest in stocks and bonds besides owning individual shares or bonds.

Dollar-cost averaging involves investing a set amount of money on a regular basis, regardless of market conditions.

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

Many traditional tax-advantaged investment strategies have gone away, but there are still some alternatives.

Changes to the tax code have left a few key deductions for itemizers, like medical, dental and some business expenses.

While stable, CDs can create an income tax bill. Fixed annuities and municipal bonds can offer tax advantages.

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

It's important to understand tax-exempt vehicles when establishing a comprehensive tax planning strategy.

Want to keep more of your mutual fund profits? You may be interested in strategies to help lower your tax liability.

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

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

A living trust can help control the distribution of your estate upon death.

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.

Life insurance can be used to help preserve the value of your estate for your heirs.

If you haven't taken steps already, consider planning now for the distribution of the assets of your estate.

If you believe your estate will be subject to estate taxes, consider how your heirs will pay the bill.

An A-B trust can be an effective way to help reduce estate taxes and preserve family assets for heirs.

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

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

A designated income beneficiary could receive payment of a specified amount from a charitable remainder trust.

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

One estate planning strategy that families with closely held businesses could consider is the family limited partnership.

Sole ownership, joint tenancy, tenancy in common, and community property have special benefits for property owners.

529 plans are tax-advantaged savings plans that generally allow people of any income level to contribute.

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

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.

One attractive feature of an annuity is tax-deferral but qualified and non-qualified annuities are taxed differently.

A bond ladder is a strategy involving the purchase of bonds that have staggered maturity dates.

It's important to understand the strengths and weaknesses of common stock versus preferred stock.

It is important to understand how dividends (taxable payments to shareholders) fit with your long-term goals.

ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.

The labels growth and value reflect different approaches that can be used when making investment decisions.

Mutual fund taxes can be cumbersome, but there are ways to help mitigate the amount of taxes you may owe.

Before investing in stocks, it is important to understand some of the basics and the risks involved in owning stocks.

Zero-coupon bonds represent a type of bond that does not pay interest during the life of the bond.

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.

The federal gift tax applies to gifts of property or money while the donor is living.

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

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

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

With traditional IRAs and most employer-sponsored retirement plans, taxes are not payable until funds are withdrawn.

Tax-deferred retirement account withdrawals before age 59½ generally trigger a 10% federal tax penalty.