Articles

Client Connections

• Understanding and Taking Advantage of the American Recovery and Reinvestment Act
• Why Cetera Research?

Retirement

• A New Chapter for Retirement

  With the changing pension landscape, it is important to take charge of your own retirement security.

• Should You Bank Your Retirement on Your Business?

  Allocating too much of your retirement investments to one company, even your own, can be a risky proposition.

• How Can I Estimate My Future Social Security Benefits?

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

• What Are My Retirement Plan Distribution Options?

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

• What Is a Traditional IRA?

  If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.

• What Is a 401(k) Plan?

  401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.

• What Is a Roth IRA?

  Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.

Cash Management

• What Are Some Tips for Managing My Money?

  A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.

• How Long Will It Take to Double My Money?

  Before making investment decisions, it is helpful to determine the real rate of return on the investment.

• How Can I Better Manage My Short-Term Cash?

  There are numerous investment alternatives available to help provide liquidity.

• How Does Inflation Affect Me?

  Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.