A withdrawal of money from an employer-sponsored retirement plan is generally referred to as a distribution. When you have money in a plan maintained by your current or former employer, you need to be aware of your distribution options for several reasons. First, not every option may be available
When you change jobs, you need to decide what to do with the money in your 401(k) plan. Should you leave it where it is, or take it with you? Should you roll the money over into an IRA or into your new employer's retirement plan? As you consider
What is it? If you have a traditional IRA or participate in an employer-sponsored retirement plan such as a 401(k) plan, you are generally required to complete a beneficiary designation form with the IRA custodian or plan administrator. As you may know, the beneficiary or beneficiaries you name (you
UITs are SEC-registered investment companies that follow a buy and hold strategy and are sold only by prospectus. Portfolios are professionally selected by the trust sponsor and are designed to follow a stated investment objective, although there is no guarantee that the objective will be met. UITs are fixed and
A REIT is a company that invests its stockholders’ money in real estate, often purchasing and operating a diversified portfolio of properties, including medical and healthcare facilities, retail shopping centers, and multi-family apartment and senior communities. The properties owned by the REIT may create rental income that is distributed to
Bonds are loans investors make to issuers– corporations, governments, municipalities or other entities– so that those issuers can fund or expand operations. The issuer gets the cash it needs, while the lender earns interest for the term of the loan. Bonds can be used as a "core" investment to build
A DST allows investors to own a Beneficial Ownership Interest in a Trust that owns commercial real estate; it is not a real estate partnership. The investor is called a Beneficiary, and receives a proportionate share of the net income, tax deductions, and potential growth. A DST typically limits the
Whether you need to supplement retirement income derived from other sources or fund your retirement income completely, tax-deferred annuities may help you meet your long-term goals and objectives. TYPES OF ANNUITIES ► Variable Annuities ► Fixed Annuities ► Single Premium Annuities ► Immediate Annuities Most annuities are sold by prospectuses,
Term and Whole Life Universal and Variable Survivorship Life How Much Life Insurance Do You Really Need? Some people equate life insurance with tragedy and death. In truth, life insurance is for the living. Without it, the sudden demise of a key breadwinner could leave a family stranded without the
"Private Equity" is the term that is used to describe operating companies that are not traded on an Exchange. Funds are often raised by private companies through the sale of common stock, warrants, preferred shares, bonds or a combination of these instruments. The terms of the investment are often negotiated