COLLEGE PLANNING

This Sales Aid demonstrates the benefits of saving early to help fund a child or grandchild's education.

This Sales Aid illustrates the rising costs of a college education and the benefits of saving through a 529 plan.

ESTATE PLANNING

This Sales Aid illustrates how a living trust works and how it differs from a simple will.

This Sales Aid illustrates what factors should be considered when calculating life insurance coverage.

This Sales Aid illustrates the benefits of incorporating life insurance into an estate plan.

HEALTH CARE EXPENSES

This Sales Aid summarizes the different aspects of HSAs and considerations to keep in mind if opting for an HSA.

An overview of Medicare options available to Americans aged 65 and older.

This Sales Aid illustrates the significant health care costs retirees must contend with and offers tips to help those planning for retirement factor in these expenses.

This Sales Aid details average costs for long-term care and looks at different factors to consider when choosing long-term care insurance.

This Sales Aid illustrates how a disability could impact family savings and explains the benefits of disability insurance.

INVESTING AND RETIREMENT PLANNING

Explains to clients how changes in their lives can impact their financial planning needs.

This Sales Aid highlights the importance of a properly allocated portfolio and demonstrates how asset allocation can help investors reduce risk.

This Sales Aid illustrates how ETFs can be used to build a diversified investment portfolio by taking advantage of the many types and styles of ETFs now available.

This Sales Aid reminds investors to keep a long-term perspective in mind instead of focusing on the market's short-term fluctuations.

Various aspects of real estate investment trusts (REITs) — including their accessibility and liquidity considerations — are summarized.

This Sales Aid explains the benefits of investing in municipal bonds, including relatively low risk and tax-free earnings.

This Sales Aid demonstrates the importance of including both growth and value components in a portfolio, as both investment styles have taken turns leading in market performance.

This Sales Aid illustrates the pros of initiating a direct rollover and the cons of taking an early distribution from a retirement account.

This Sales Aid looks at the comparative performance of domestic and foreign stocks and spells out the risks of international investing.

Examines the benefits of both traditional and Roth IRAs and helps investors determine which one (or ones) may be suitable for them.

This Sales Aid offers a long-term perspective on the performances of stock, bond, and cash investments.

This Sales Aid illustrates the importance of periodic rebalancing to help ensure an investor's asset allocation profile remains consistent.

This Sales Aid illustrates how quickly a retirement portfolio can be depleted based on a number of investment and withdrawal strategies.

This Sales Aid explains the pros and cons of converting traditional IRA assets to a Roth IRA.

This Sales Aid illustrates the benefits of dollar-cost averaging, including the benefit of making regular contributions to an investment account.

This Sales Aid illustrates the benefits of investing in tax-deferred accounts (such as retirement plan accounts).

Explains the differences between fixed-rate and variable annuities and illustrates the benefits of an annuity as part of an overall retirement planning strategy.

This Sales Aid shows how federally tax-exempt income from municipal bonds compares with taxable income on a tax equivalent basis.

This Sales Aid explains the benefits of a Roth 401(k) and how it differs from a traditional 401(k).

This Sales Aid illustrates the benefits of investing in ETFs, including cost considerations, availability, and diversification.

This Sales Aid illustrates the impact various withdrawal rates can have on a portfolio balance over a long-term retirement horizon.

This Sales Aid illustrates the benefits of regular saving and the power of compounding and why women need to save more than men.

PERSONAL FINANCE

This Sales Aid offers a quick resource to find monthly mortgage payments on conventional mortgages at different rates.

This Sales Aid illustrates the savings over time of paying more than the minimum balance due and also offers tips on reducing credit card debt.

This Sales Aid summarizes the factors that determine a credit score and what steps can be taken to improve it.

This Sales Aid offers valuable considerations and advice for anyone looking to potentially lower payments by consolidating credit cards.

This Sales Aid illustrates the monthly savings and break-even timing for a 30-year $100,000 mortgage refinancing at different rates.