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David Bobrowsky, CFP®, CLU®, ChFC®, CSRIC™

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Articles

Welcome to our research center! We've put together a library of information on important financial topics that we believe you'll find helpful.

Simply click on one of the general financial topics below and you'll find a selection of easy-to-understand information sheets about related financial concepts and strategies. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.

Cash Management

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

Cash Management

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

Estates & Trusts

The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.

Estates & Trusts

If you haven't taken steps already, consider planning now for the distribution of the assets of your estate.

Estates & Trusts

To retain the tax advantages associated with charitable giving, your gift must be made to a qualified organization.

Estates & Trusts

Careful estate planning is still one of the most important ways to manage and protect your assets for your heirs.

Estates & Trusts

Compare the advantages and disadvantages of different gifting strategies available for planned giving.

Investing

There are five broad asset classes that you should take into consideration when constructing your investment portfolio.

Investing

Asset allocation is a method used to help manage investment risk; it does not guarantee a profit or protect against investment loss.

Investing

Understanding different types of investment risk can help investors manage their money more effectively.

Investing

Stock market indexes can be useful benchmarks for gauging the performance of an investment portfolio over time.

Investing

An important element to successful investing is to manage investment risk while maintaining the potential for growth.

Investing

529 plans are tax-advantaged savings plans that generally allow people of any income level to contribute.

Retirement

If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.

Retirement

If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.

Retirement

Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.

Retirement

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

Retirement

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

Retirement

There are key dates after you turn 59½ that can impact your taxes, Medicare eligibility, and retirement benefits.

Retirement

Tax-deferred retirement plans for self-employed individuals have higher contribution limits than IRAs.

Retirement

There are a variety of retirement planning options that could help meet your needs. Here are some of the most popular.

Risk Management

Medicare is the federal health insurance program for those persons age 65 and over. But what does it cover?

Risk Management

If you have a family who relies on your income, it is important to have life insurance protection.

Risk Management

If you were to suffer an illness or disability that required long-term nursing care, would you be covered?

Tax Planning

IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

Tax Planning

United States tax law is a constantly changing landscape. The latest major piece of tax legislation is the Tax Cuts and Jobs Act of 2017.

Tax Planning

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

Website Research Article

Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.

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Check the background of this financial professional on FINRA's BrokerCheck