Employee stock purchase plans (ESPP) are a common benefit that many publicly traded companies offer to their employees as an additional savings option to supplement their other defined contribution plans. There can be a number of benefits associated with these plans, as well as some potential disadvantages. Under a qualified ESPP, the employer permits the…
As a result of two major market panics in the last two decades, the use of variable annuities as a solution to the financial needs of the consumer has increased. These products have been marketed and re-marketed in various different formats with numerous bells and whistles. In some cases a variable annuity may make a…
Life insurance planning is a topic that is often very confusing for the average individual. There are various different types of insurance products available, and it is not always clear which solution is the most suitable for an individual to select. In order to make an educated decision, it is imperative to obtain at least…
Charitable donations are something that Americans are inclined to do more so than citizens of virtually every nation on earth. This is in part a result of the fact that the US is the wealthiest nation on earth and has the largest per capita GDP of any of the large industrialized nations of the world….
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