Thought Leadership

Financial Planning Considerations for Same-Sex Couples After Windsor

Financial Planning for LGBT Couples After U.S. v. Windsor & Obergefell v. Hodges  

This updated paper explains the impact of the Supreme Court’s Windsor and Obergefell decisions on retirement and employee benefits, including changes to Social Security eligibility that same-sex couples should consider as part of their financial planning strategies. .

Innovative Strategies to Help Maximize Social Security Benefits

Innovative Strategies to Help Maximize Social Security Benefits 

People tend to underestimate the value of Social Security. But no other vehicle can match the combination of inflation-fighting increases, longevity protection, investment risk elimination, and spousal coverage that Social Security can—potentially making it one of the most valuable sources of retirement income. This white paper provides practical hands-on guidance on how to best use Social Security to help generate an optimal level retirement income and risk protection.

The African American Financial Experience

The African American Financial Experience 

Our 2013 African American Financial Experience study shows continued financial progress, confidence and growing affluence in the African American community. At the same time it highlights ongoing hurdles of debt, multiple financial priorities and lagging investment product ownership that for many continue to make it more difficult to achieve long term financial security.

The Hispanic American Financial Experience

The Hispanic American Financial Experience 

This  study found that the Hispanic community is moderately confident in their future outlook for household finances, the local and national economy, and the attention paid to their needs by the financial industry and government. In addition, this community places a high priority on funding near-term goals such as reducing debt, purchasing a home, or creating an emergency savings account, and many are supporting their multi-generational families. These factors make it difficult for them to prepare for long-term financial security.

Understanding Master Limited Partnerships

Understanding Master Limited Partnerships 

This paper describes the basic structure of master limited partnerships (MLPs), typical business operations of energy MLPs, and the resulting tax implications associated with C Corporation mutual fund entities-the only mutual fund structure permitted to have 100% MLP exposure.

0169951-00015-00 Ed.10/2016