Click on the links below for a wealth of information on a variety of business and personal topics. Please note that this information is of a general nature only.  Do not act on the suggestions in these articles without seeking professional advice based on your specific circumstances.

Business Owner   Articles     Benefits and retirement plans       Benefit plans for small businesses       Disability income insurance for the self-employed       Health insurance for the self-employed       Retirement plans for small businesses       Understanding individual 401(k) plans     Insuring a business       Business automobile insurance basics       Business interruption insurance       Business liability insurance basics       Business overhead expense insurance       Income tax tips: business insurance       Properly insuring your business       Understanding your business owners policy     Starting a business       Choosing an entity for your business       Funding a business       Hiring your first employee       Record keeping for your own business       Starting or buying a business       Tax planning for the self-employed     Transferring or selling a business       Funding a buy-sell agreement with disability insurance       Funding a buy-sell agreement with life insurance       Transferring your family business   Retirement Planning   Articles     Saving for retirement       Borrowing or withdrawing money from your 401(k) plan       Choosing a beneficiary for your IRA or 401(k)       Closing a retirement income gap       Deciding what to do with your 401(k) plan when you change jobs       Estimating your retirement income needs       Retirement planning--the basics       Saving for retirement and a child's education at the same time       Taking advantage of employer-sponsored retirement plans       Understanding IRAs     Social Security       Social Security retirement benefits       Understanding Social Security   Decision Tools     401(k) plans       401(k) plans       Individual 401(k) Illustration       Should you save in a 401(k) or a Roth IRA?     IRAs       Comparison of traditional IRAs and Roth IRAs       Roth IRA future value calculator       Roth IRA: how much can you contribute in 2005?       Traditional IRA: how much can you contribute and deduct in 2005?     Retirement planning basics       Growth of annual deposits calculator       How taxation can affect your retirement funds       Investing for retirement       Net worth calculator       Personal cash flow worksheet       Saving for your retirement       What is your risk tolerance?   FAQs     Employer-sponsored retirement plans       Can I roll a retirement plan distribution into an IRA?       Can I still have a traditional IRA if I contribute to my 401(k) plan at work?       How can I plan for retirement if my employer doesn't offer retirement benefits?       I teach at a school that has a 403(b) plan. Is this type of plan a good way to save for retirement?       Should I contribute to my 401(k) plan at work?       What are my options if I inherit an IRA or employer-sponsored plan?   Special Situations   Articles     Caring for an aging parent       Caring for your aging parents       Do your parents need long-term care insurance?       Facing the possibility of incapacity       Housing options for older individuals       Medicaid and nursing home care       Medicaid and the principal residence       Medicaid planning basics       The sandwich generation: juggling family responsibilities.     Marriage       Establishing a budget       Getting started: establishing a financial safety net       Merging your money when you marry     Sudden wealth       Sudden wealth   Decision Tools     Caring for an aging parent       Housing options for aging parents       Tips for caregivers   FAQs     Caring for an aging parent       How can I pay for nursing home care?       How can I tell if a nursing home provides high-quality care?       How do I talk to my elderly parents about their finances?       I paid my mother's real estate taxes last year. Can I deduct this on my tax return?       I'm planning to add an in-law apartment to my home. How will this affect my homeowners insurance?       I'm thinking about placing my mother in a nursing home. Will Medicaid pay for her care?       Is there such a thing as nursing home insurance?       My mother is 90. Is it OK for her to keep driving?       My parents can't manage alone anymore. What should I do?       What types of nursing care does long-term care insurance cover?   Tax Planning   Articles     General tax planning       Am I having enough withheld?       Tax planning for the self-employed       Taxation of investments       Year-end tax planning     Tax credits and deductions       Education tax credits       Qualifying for the home office deduction   Decision Tools     General tax planning       Accelerating deductions/postponing Income       Accelerating income/postponing deductions       Federal individual income tax fundamentals   FAQs     General tax planning       Am I having enough tax withheld from my paycheck?       Are my Social Security benefits subject to income tax?       Are scholarships and grants subject to federal income tax?       Do I have to file a federal income tax return?       How did the Jobs and Growth Tax Relief Reconciliation Act of 2003 change capital gains tax rates?       What is the alternative minimum tax?     Tax deductions       Can I deduct home office expenses?       Can I deduct premiums paid for long-term care (LTC) insurance?       Can I deduct the cost of improvements or repairs I've made to my home?       How do I deduct and substantiate my gambling losses?       I paid my mother's real estate taxes last year. Can I deduct this on my tax return?       I refinanced my principal home last year and paid points. What are points, and can I deduct them on my tax return?       Is student loan interest deductible?       My spouse and I are filing separate returns. Can we both itemize our deductions? If so, how do we split the deductions?       We just bought our first home. What can we deduct from the settlement statement?     Taxes and home ownership       Can I deduct the cost of improvements or repairs I've made to my home?       How do I figure the tax on the sale of my home?       We just bought our first home. What can we deduct from the settlement statement?