Resources

• Articles

  • Cash Management

    • What Are Some Tips for Managing My Money?
    • How Long Will It Take to Double My Money?
    • What Cash Management Tools Are Available?
    • How Do Money Market Mutual Funds Work?
    • How Can I Better Manage My Short-Term Cash?
    • What Advantages Does a Biweekly Mortgage Offer?
    • What Are Some Smart Ways to Refinance?
    • What About Financial Aid for College?
    • What Savings Alternatives Are Available?
    • How Does Inflation Affect Me?
    • Is a Home Equity Loan or Line of Credit Right for Me?

  • Client Letters

    • Client Letter: Stocks Warm Up In January | February 7, 2019
    • Client Letter: "A New Year’s Perspective" by John Lynch
    • Client Letter: "Recent Market Volatility" by John Lynch
    • Midterms and the Markets | Client Letter by John Lynch | November 7, 2018
    • Client Letter: Putting Recent Volatility in Context by John Lynch | October 11,
    • Client Letter: Key Factors to Watch in Q4 | John Lynch | October 4, 2018
    • Client Letter: Plenty of Positives | John Lynch | September 6, 2018
    • Client Letter: "Recapping the Latest Earnings & GDP Reports" | John Lynch

  • Estates & Trusts

    • What Key Estate Planning Tools Should I Know About?
    • How Can a Living Trust Help Me Control My Estate?
    • What Are the Pitfalls of Probate?
    • How Can My Gift Benefit Me and the Charity?
    • How Can I Control the Distribution of My Estate?
    • How Will I Pay Estate Taxes?
    • Can I Benefit from an A-B Trust?
    • What Gifting Strategies Are Available to Me?
    • How Can I Benefit from a Charitable Lead Trust?
    • How Can I Benefit from a Charitable Remainder Trust?
    • How Can I Benefit from a Wealth Replacement Trust?
    • Could My Family Benefit from a Family Limited Partnership?
    • What Is the Best Form of Property Ownership for Me?
    • History of the Federal Estate Tax

  • Investing

    • What Are Dividends?
    • What Is an Exchange-Traded Fund?
    • Growth Stocks vs. Value Stocks
    • How Are Mutual Funds Taxed?
    • What Is Stock?
    • What Are Zero-Coupon Bonds?
    • What Is Diversification?
    • What Types of Bonds Are Available?
    • What Is a Bond?
    • What Do Bond Ratings Mean?
    • What Is a Stock Index?
    • How Do Mutual Funds and Stocks Differ?
    • What Is a Mutual Fund?
    • What Is a Closed-End Fund?
    • What Is a Mutual Fund Load?
    • What Is an Annuity?
    • What Is the Difference Between a Fixed Annuity and a Variable Annuity?
    • What Investment Risks Should I Know About?
    • What Are the Different Classes of Assets?
    • What Is Asset Allocation?
    • How Can I Save for My Child’s College Education?
    • What College Investment Options Do I Have?
    • What Stock and Bond Investing Alternatives Do I Have?
    • What Is Dollar-Cost Averaging?
    • 529 Lesson Plan: High Scores for 529 Plans

  • Market Commentary

    • Weekly Market Commentary - September 20, 2021
    • Weekly Market Commentary | August 23, 2021
    • Weekly Market Commentary | August 16, 2021
    • Weekly Market Commentary | August 9, 2021
    • Weekly Market Commentary | August 2, 2021
    • Weekly Market Commentary | July 26, 2021
    • Weekly Market Commentary | Midyear Outlook 2021: Picking Up Speed
    • Midyear Outlook 2021 - Social Sharing Guide
    • Midyear Outlook 2021 - Client Letter
    • Midyear Outlook 2021 - Picking Up Speed
    • Weekly Market Commentary | July 12, 2021
    • Weekly Market Commentary | June 28, 2021
    • Weekly Market Commentary | June 21, 2021
    • Weekly Market Commentary | June 14, 2021
    • Weekly Market Commentary | June 7, 2021
    • Weekly Market Commentary | May 24, 2021
    • Weekly Market Commentary | May 24, 2021
    • Weekly Market Commentary | May 17, 2021
    • Weekly Market Commentary | May 10, 2021
    • Weekly Market Commentary May 3, 2021
    • Weekly Market Commentary | April 26, 2021
    • Weekly Market Commentary | April 19, 2021
    • Weekly Market Commentary | April 12, 2021
    • Weekly Market Commentary | April 5, 2021
    • Weekly Market Commentary | March 29, 2021
    • Outlook 2021: Powering Forward
    • Weekly Market Commentary | March 22, 2021
    • Weekly Market Commentary | March 15, 2021
    • Weekly Market Commentary | March 8, 2021
    • Weekly Market Commentary | March 1, 2021
    • Weekly Market Commentary | February 22, 2021
    • Weekly Market Commentary | February 16, 2021
    • Weekly Market Commentary | February 8, 2021
    • Weekly Market Commentary | February 8, 2021
    • Weekly Market Commentary | February 1, 2021
    • Weekly Market Commentary | January 25, 2021
    • Weekly Market Commentary | January 19, 2021
    • Weekly Market Commentary | January 11, 2021
    • Weekly Market Commentary - January 4, 2021
    • Weekly Market Commentary | December 21, 2020
    • Weekly Market Commentary | December 14, 2020
    • Weekly Market Commentary | December 7, 2020
    • Weekly Market Commentary | November 30, 2020
    • Weekly Market Commentary | November 23, 2020
    • Weekly Market Commentary | November 16, 2020
    • Weekly Market Commentary | November 9, 2020
    • Weekly Market Commentary | November 2, 2020
    • Weekly Market Commentary | October 26, 2020
    • Weekly Market Commentary | October 19. 2020
    • Weekly Market Commentary - October 12, 2020
    • Weekly Market Commentary | October 5, 2020
    • Weekly Market Commentary | September 28, 2020
    • Weekly Market Commentary | September 21, 2020
    • Weekly Market Commentary | September 14, 2020
    • Weekly Market Commentary | September 8, 2020
    • Weekly Market Commentary | August 31, 2020
    • Weekly Market Commentary | August 24, 2020
    • Weekly Market Commentary | August 17, 2020
    • Weekly Market Commentary | August 10, 2020
    • Weekly Market Commentary | August 8, 2020
    • Weekly Market Commentary | July 27, 2020
    • Weekly Market Commentary | July 20, 2020
    • Weekly Market Commentary | July 6, 2020
    • Weekly Market Commentary | June 29, 2020
    • Weekly Market Commentary | June 22, 2020
    • Weekly Market Commentary | June 15, 2020
    • Weekly Market Commentary | June 8, 2020
    • Weekly Market Commentary | June 1, 2020
    • Weekly Market Commentary | May 18, 2020
    • Weekly Market Commentary | April 27, 2020
    • Weekly Market Commentary | April 13, 2020
    • Weekly Market Commentary | May 4, 2020
    • Weekly Market Commentary | April 20, 2020
    • Weekly Market Commentary | April 6, 2020
    • Weekly Market Commentary | March 30, 2020
    • Weekly Market Commentary | March 23, 2020
    • Weekly Market Commentary | March 16, 2020
    • Weekly Market Commentary | March 9, 2020
    • Weekly Market Commentary | March 2, 2020
    • Weekly Market Commentary | February 24, 2020
    • Weekly Market Commentary | February 18, 2020
    • Weekly Market Commentary | February 3, 2020
    • Weekly Market Commentary | January 27, 2020
    • Weekly Market Commentary | January 13, 2020
    • Weekly Market Commentary | January 6, 2020
    • Weekly Market Commentary | December 30, 2019
    • Weekly Market Commentary | December 23, 2019
    • Weekly Market Commentary | December 16, 2019
    • Weekly Market Commentary | Week of December 2, 2019
    • Weekly Market Commentary | Week of November 25, 2019
    • Weekly Market Commentary | Week of November 18, 2019
    • Weekly Market Commentary | November 11, 2019
    • Weekly Market Commentary | Week of October 28, 2019
    • Weekly Market Commentary | Week of October 21, 2019
    • Weekly Market Commentary | Week of October 14, 2019
    • Weekly Market Commentary | Week of October 7, 2019
    • Weekly Market Commentary | September 30, 2019
    • Weekly Market Commentary | Week of September 23, 2019
    • Weekly Market Commentary | Week of September 16, 2019
    • Weekly Market Commentary | Week of September 9, 2019
    • Weekly Market Commentary | Week of September 3, 2019
    • Weekly Market Commentary | Week of August 26, 2019
    • Weekly Market Commentary | August 19, 2019
    • Weekly Market Commentary | Week of August 12, 2019
    • Weekly Market Commentary | August 5, 2019
    • Weekly Market Commentary | July 29, 2019
    • Weekly Market Commentary | Week of July 22, 2019
    • Weekly Market Commentary | July 22, 2019
    • Weekly Market Commentary | July 15, 2019
    • Weekly Market Commentary | July 8, 2019
    • Weekly Economic Commentary | July 8, 2019
    • Weekly Market Commentary | July 1, 2019
    • Weekly Market Commentary | June 17, 2019
    • Weekly Economic Commentary | June 17, 2019
    • Weekly Economic Commentary | June 10, 2019
    • Weekly Market Commentary | June 10, 2019
    • Weekly Market Commentary | Week of June 3, 2019
    • Weekly Economic Commentary | Week of June 3, 2019
    • Weekly Economic Commentary | Week of May 20, 2019
    • Weekly Market Commentary | Week of May 20, 2019
    • Weekly Economic Commentary | Week of May 27, 2019
    • Weekly Market Commentary | Week of May 27, 2019
    • Weekly Market Commentary | Week of May 13, 2019
    • Weekly Economic Commentary | May 13, 2019
    • Weekly Market Commentary | May 6, 2019
    • Weekly Economic Commentary | May 6, 2019
    • Weekly Market Commentary | April 29, 2019
    • Weekly Market Commentary | Week of April 22, 2019
    • Weekly Market Commentary | April 15, 2019
    • Weekly Market Commentary | April 8, 2019
    • Weekly Economic Commentary | March 11, 2019
    • Weekly Market Commentary | March 4, 2019
    • Weekly Market Commentary | February 25, 2019
    • Weekly Economic Commentary | Week of Feb 19, 2019
    • Weekly Market Commentary | February 19, 2019
    • Weekly Market Commentary | February 11, 2019
    • Weekly Economic Commentary | Week of February 4, 2019
    • Weekly Market Commentary | February 4, 2019
    • Weekly Economic Commentary | Week of Jan 28, 2019
    • Weekly Market Commentary | January 28, 2019
    • Weekly Market Commentary | January 22, 2019
    • Weekly Economic Commentary | Week of Jan 21, 2019
    • Weekly Market Commentary | January 14, 2019
    • Weekly Economic Commentary | Week of Jan 14, 2019
    • Weekly Economic Commentary | Week of Jan 7, 2019
    • Weekly Market Commentary | January 7, 2019
    • Weekly Economic Commentary | Week of December 31, 2018
    • Weekly Market Commentary | December 31, 2018
    • Weekly Market Commentary | December 10, 2018
    • Weekly Economic Commentary | Week of Dec 10, 2018
    • Weekly Market Commentary | December 3, 2018
    • Weekly Economic Commentary | Week of Dec 3, 2018
    • Weekly Economic Commentary | Week of Nov 26, 2018
    • Weekly Market Commentary | November 26, 2018
    • Weekly Economic Commentary | Week of Nov 12, 2018
    • Weekly Market Commentary | November 12, 2018
    • Weekly Economic Commentary | Week of Nov 5, 2018
    • Weekly Market Commentary | November 5, 2018
    • Weekly Market Commentary | October 29, 2018
    • Weekly Economic Commentary | Week of Oct 29, 2018
    • Weekly Economic Commentary | Week of Oct 22, 2018
    • Weekly Market Commentary | October 22, 2018
    • Weekly Economic Commentary | Week of Oct 15, 2018
    • Weekly Market Commentary | October 15, 2018
    • Weekly Economic Commentary | October 8, 2018
    • Weekly Market Commentary | October 8, 2018
    • Weekly Market Commentary | October 1, 2018
    • Weekly Economic Commentary | Week of October 1, 2018
    • Weekly Economic Commentary | Week of September 24, 2018
    • Weekly Market Commentary | September 24, 2018
    • Weekly Economic Commentary | Week of September 17, 2018
    • Weekly Market Commentary | September 18, 2018
    • Weekly Economic Commentary | Week of September 10, 2018
    • Weekly Market Commentary | September 10, 2018
    • Weekly Economic Commentary | Week of September 3, 2018
    • Weekly Market Commentary | September 4, 2018
    • Weekly Economic Commentary | Week of August 27, 2018
    • Weekly Market Commentary | August 27, 2018
    • Weekly Economic Commentary | Week of August 20, 2018
    • Weekly Market Commentary | August 20, 2018
    • Weekly Market Commentary | August 13, 2018
    • Weekly Economic Commentary | Week of August 13, 2018
    • Weekly Market Commentary | August 6, 2018
    • Weekly Economic Commentary | Week of August 6, 2018
    • Weekly Economic Commentary | Week of July 30, 2018
    • Weekly Market Commentary | July 30, 2018
    • Weekly Economic Commentary | Week of July 23, 2018
    • Weekly Market Commentary | July 16, 2018
    • Weekly Economic Commentary | Week of July 16, 2018
    • Weekly Economic Commentary | Week of June 25, 2018
    • Weekly Market Commentary | June 25, 2018
    • Weekly Economic Commentary | Weekof June 18, 2018
    • Weekly Market Commentary | June 18, 2018
    • Weekly Economic Commentary | Week of June 11, 2018
    • Weekly Market Commentary | June 11, 2018
    • Weekly Economic Commentary | Week of June 4, 2018
    • Weekly Economic Commentary | Week of May 29, 2018
    • Weekly Economic Commentary | Week of May 21, 2018
    • Weekly Economic Commentary | Week of May14, 2018
    • Weekly Economic Commentary | Week of May 7, 2018

  • Outlook

    • Outlook 2020 Printer-Friendly
    • Outlook 2020 Executive Summary
    • Outlook 2020 Client Letter
    • Outlook 2020: Bringing Markets into Focus
    • Outlook 2019: Institutional Publication
    • Outlook 2019: FUNDAMENTAL (spreads)
    • Outlook 2019: FUNDAMENTAL (printer-friendly)
    • Outlook 2019 | Client Letter by John Lynch

  • Portfolio Compass

    • Portfolio Compass | February 20, 2019
    • Portfolio Compass | January 16, 2019
    • Portfolio Compass | December 19, 2018
    • Portfolio Compass | November 14, 2018
    • Portfolio Compass | October 17, 2018
    • Portfolio Compass | September 19, 2018
    • Portfolio Compass | August 15, 2018
    • Portfolio Compass | July 19, 2018
    • Portfolio Compass | June 13, 2018
    • Portfolio Compass | May 16, 2018
    • Portfolio Compass | April 18, 2018

  • Retirement

    • What Is a SIMPLE?
    • What Is a Roth 401(k)?
    • What Is a Profit-Sharing Plan?
    • What Is a Money Purchase Pension Plan?
    • What Is a 403(b) Plan?
    • Why Do People Buy Annuities?
    • What Is a Split-Annuity Strategy?
    • What Are Annuity Living Benefits?
    • How Much Do I Need to Save?
    • A New Chapter for Retirement
    • What Is a 1035 Exchange?
    • Unforgettable Birthdays
    • Don’t Bank Your Retirement on Your Business
    • What Are My Retirement Planning Options?
    • Will Social Security Retire Before You Do?
    • Social Security Income
    • What Is a Self-Employed Retirement Plan?
    • What Is an Indexed Annuity?
    • Retirement Plan Distributions
    • What Is a Traditional IRA?
    • What Is a 401(k) Plan?
    • How Should I Manage My Retirement Plan?
    • Save Now or Save Later?
    • What Is a Roth IRA?

  • Risk Management

    • Why Purchase Life Insurance?
    • Why Are Annuities Considered an Insurance Product?
    • What Is Property and Casualty Insurance?
    • Do I Need a Business Owner Policy?
    • Life Insurance for Business Owners
    • What Is Split-Dollar Life Insurance?
    • What Is Last-Survivor Life Insurance?
    • Disability Income Insurance for Business Owners
    • What Is Term Life Insurance?
    • What Is Whole Life Insurance?
    • What Is Universal Life Insurance?
    • What Is Variable Life Insurance?
    • What Are the Main Types of Auto Insurance?
    • Making a Property Insurance Claim
    • How Can I Maximize My Insurance Benefits?
    • How Can I Insure My Future?
    • How Can I Protect My Home?
    • Do I Need Disability Income Insurance?
    • What Types of Health Coverage Are Available?
    • How Can I Extend My Liability Coverage?
    • What Is the Difference Between an HMO and a PPO?
    • How Can I Determine the Financial Strength of My Insurance Company?
    • Am I Prepared for Long-Term Care Expenses?
    • What Does Medicare Cover?
    • What Are the Basic Types of Life Insurance?

  • Tax Planning

    • What Is the Capital Gain Tax?
    • What Is the Estate Tax?
    • What Is the Gift Tax?
    • How Much Money Can I Put Into My IRA or Employer-Sponsored Retirement Plan?
    • What Is a Required Minimum Distribution?
    • What Are the Tax Benefits of Charitable Trusts?
    • When Must Taxes Be Paid on IRA and Employer-Sponsored Retirement Funds?
    • What Happens If I Withdraw Money from My Tax-Deferred Investments Before Age 59½
    • What Is Tax Deferral?
    • How Can I Benefit from Tax-Advantaged Investments?
    • What Tax Deductions Are Still Available to Me?
    • What Tax-Advantaged Alternatives Do I Have?
    • What Is the Most Tax-Efficient Way to Take a Distribution From a Retirement Plan
    • Is There Such a Thing as a Tax-Free Investment?
    • How Can I Keep More of My Mutual Fund Profits?
    • How Can I Upgrade My Insurance — Tax-Free?

  • Weekly Market Commentary

    • Weekly Market Commentary | September 13, 2021
    • Weekly Market Commentary | August 30, 2021

• Newsletters

  • September

    • HOT TOPIC: Too Hot to Handle: What’s Ahead for the U.S. Housing Market?
    • Signs of a Scam…and How to Resist It
    • Child Tax Credit for 2021: Will You Get More?
    • A More Affordable Life Insurance Solution
    • Following the Inflation Debate
    • What a Relief! Congress Acts Against Surprise Medical Bills

  • August

    • HOT TOPIC: Antitrust Crackdown Aims to Increase Competition
    • Don’t Let Debt Derail Your Retirement
    • International Investing: Opportunity Overseas?
    • Concerned About Inflation? Consider TIPS
    • Company Stock and Your Retirement Strategy
    • Crisis Averted? Financial Help for Struggling Renters and Landlords

  • July

    • HOT TOPIC: Hostage Data: Ransomware and Protecting Your Digital Information
    • Considerations When Making Gifts to Children
    • A Steady Strategy
    • Pension or Lump Sum: Which Should You Choose?
    • Stock Market Risks in the Spotlight
    • Bankruptcy Changes Throw a Lifeline to Sinking Small Businesses

  • June

    • HOT TOPIC: Shortages and Bottlenecks Expose Weak Links in U.S. Supply Chains
    • New Changes to College Financial Aid and Education Tax Benefits
    • How Well Do You Understand Retirement Plan Rules?
    • Is the Medicare Donut Hole Really Closed?
    • Corporate Debt: Are Juicier Yields Worth the Extra Risk?
    • Your Business: New Rules for Writing Off Restaurant Meals

  • May

    • HOT TOPIC: Rising Inflation: Where Will It Go from Here?
    • Real Estate for Income and Diversification
    • Five Tips to Follow When Applying for a Mortgage
    • Social Security Spousal Benefits
    • Portfolios Get Personal: Growing Interest in Socially Responsible Investing
    • Your Business: Minimum-Wage Laws in the Spotlight

  • April

    • HOT TOPIC: High-Frequency Indicators: Where to Look for Signs of Recovery
    • A Financial Wellness Plan Can Help Pave the Road to Retirement
    • Four Things Investors Should Know About Stock Splits
    • All-in-One Funds: Targeting Time or Risk?
    • Working While Receiving Social Security Benefits
    • Your Business: Reasons to Keep Personal and Business Finances Separate

  • March

    • HOT TOPIC: GameStop, Reddit, and Market Mania: What Happened?
    • Key Retirement and Tax Numbers for 2021
    • Are Value Stocks Poised for a Comeback?
    • Home Sweet Home Equity
    • Asset Protection: Make Sure Your Umbrella Is Big Enough
    • Is Your Home Office Also a Tax Shelter?

  • February

    • HOT TOPIC: Pandemic Relief Measures and Your Tax Return
    • Sequence Risk: Preparing to Retire in a Down Market
    • Watch Out for These Financial Pitfalls in the New Year
    • New Fed Policy Suggests Low Rates for the Long Term
    • When You Can’t Speak for Yourself
    • Big Data for Smaller Players

  • January

    • HOT TOPIC: Revisiting the 4% Rule
    • Five Tips to Regain Your Retirement Savings Focus in 2021
    • Money Market Funds in a Low Rate Environment
    • Prepare Your Finances for the Next Emergency
    • Gift vs. Inheritance: Consider the Tax Difference
    • Take Advantage of Deductions for Business Investments

  • December

    • Should You Pay Off Student Loans Early or Save More for Retirement?
    • Putting Your Nest Egg in Three Baskets
    • Full House: Adult Children Coming Home
    • Income Investors May Find Closed-End Funds on Sale
    • Your Business: Could You Benefit from a Roth Conversion in 2020?

  • November

    • Five Investment Tasks to Tackle by Year-End
    • Three Questions to Consider During Open Enrollment
    • Passive, Active, or Both?
    • Your Estate: Have You Looked at These Legal Documents Lately?
    • Four Steps to Rebuilding Your Business

  • October

    • Return of Premium Life Insurance: Protection and Cash Back
    • Accumulating Funds for Short-Term Goals
    • Investing in UITs
    • Business Cycle Basics: Recessions Begin and End Before We Know It
    • Insurance to Help Protect Your Business from Lawsuits

• Videos

  • Should You Pay Off Debt or Save for Retirement?
  • Should You Sell When the Market Drops?
  • 3 Potential Benefits of Dollar-Cost Averaging
  • Leaving Your Employer? Don’t Forget Your Retirement Savings Plan
  • The Basics of Social Security Retirement Benefits
  • Financial Planning: Helping You See the Big Picture
  • Stocks and Stock Mutual Funds 101
  • Bonds and Bond Mutual Funds 101
  • The Pros and Cons of a Big Tax Refund
  • What Is Investment Risk?
  • Do You Know Who Your Beneficiaries Are?
  • The Value of a Bond
  • What Would Happen to Your Estate?
  • What Is An Annuity?

• Tax Library

  • Tax Forms
  • Tax Rates
  • Tax Publications
  • Tax Glossary
  • Tax Calendar
  • TaxWise Strategies
  • Tax Calculator

• Calculators

  • Cash Management

    • Cash Flow Analysis
    • Net Worth
    • Lifetime Earnings

  • Estate Planning

    • Estate Taxes

  • Loans & Credit Cards

    • Loan Payoff
    • Home Affordability
    • Mortgage Refinancing
    • Mortgage Acceleration
    • Credit Card Debt
    • Lease Payment
    • Car Affordability

  • Retirement & Inflation

    • Cost of Retirement
    • Required Minimum Distributions
    • Impact of Inflation
    • Retirement Plan Early Distribution
    • Retirement Portfolio Lifespan

  • Risk Management

    • Life Insurance
    • Life Expectancy
    • Long-Term Care Self Insurance
    • LTCI Cost of Waiting
    • Disability Income Insurance

  • Saving & Investing

    • College Funding
    • Savings Goals
    • Savings Accumulation
    • Taxable Equivalent Yield

  • Taxes & IRAs

    • Federal Income Tax
    • Tax-Deferred Savings
    • IRA Eligibility
    • Roth IRA Conversion

• Request A Quote

  • Annuity
  • Long-Term Care Insurance
  • Group Health
  • Life Insurance
  • Individual Health
  • Disability Income Insurance
  • 401(k) Information Request
  • Information Request

• Glossary

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