TEIXEIRA FINANCIAL GROUP

CONNECT

Address:

228 COUNTY STREET
ATTLEBORO, MA 02703

Phone:

508-431-1099

Fax/Other:

508-431-1299

Articles

75% of Americans agree they would benefit from having basic financial education and information.

Source: The 2016 Consumer Financial Literacy Survey, The National Foundation for Credit Counseling

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.

Estates & Trusts

Retirement

  • Why Purchase Annuities

    Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.

  • Annuity Living Benefits

    Living benefits can help protect variable annuity owners from running out of money in retirement.

  • How Much Do I Need to Save?

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

  • Unforgettable Birthdays

    There are key dates after you turn 59 that can impact your taxes, Medicare eligibility, and retirement benefits.

  • Planning Options

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

  • Retirement Plan Distributions

    When receiving money accumulated in your employer-sponsored retiremnt plan, you have 2 options: lump sum or annuity.

  • Traditional IRAs

    If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.

  • 401(k) Plans

    401(k) employer-sponsored retirements plans have many benefits, including that the funds accumulate tax-deferred.

  • Save Now or Save Later

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

  • Roth IRAs

    Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.

Tax Planning

  • Gift Tax

    The federal gift tax applies to gifts of property or money while the donor is living.

  • Retirement Plan Limits

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

  • Required Minimum Distributions

    Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

  • Retirement Plan Taxes

    With traditional IRAs and most employer-sponsored retirement plans, taxes are not payable until funds are withdrawn.

  • Tax Deferral

    There can be a substantial benefit to deferring taxes as long as possible.

  • Mutual Fund Profits

    Want to keep more of your mutual fund profits? You may be interested in strategies to help lower your tax liability.

  • Tax-Free Insurance Upgrades

    A 1035 exchange allows you to exchange your life insurance policy for one from another company w/o tax liability.

Investing

  • Stock Indexes

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

  • Mutual Funds

    A mutual fund is a collection of stocks, bonds, and other securities with certain benefits and risks.

  • Closed-End Funds

    W/ closed-end funds, investors pool their money together to purchase a pro managed portfolio of stocks and/or bonds.

  • Annuities
  • Fixed vs. Variable Annuities

    Both fixed and variable annuities could be appropriate options for an individual interested in purchasing an annuity.

  • Dollar-Cost Averaging

    Dollar-cost averaging involves investing a set amount of money on a regular basis, regardless of market conditions.

  • 529 Plans

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

Cash Management

  • Money Market Funds

    Money market funds can be a highly liquid and effective cash management tool.

  • College Financial Aid

    It's important to understand the options, such as financial aid grant programs, when having to pay for college.

Risk Management

  • Why Purchase Life Insurance

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

  • Term Life Insurance

    Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

  • Universal Life Insurance

    Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

  • Maximizing Your Insurance Benefits

    Several factors could undermine the financial security provided by the proceeds of your life insurance policy.

  • Long-Term Care Costs

    The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.

  • Types of Life Insurance

    When selecting a life insurance policy, examine all your options, as well as the positives and negatives of each type.

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