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Benefit Services Group, Inc.
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Articles More than 80% of investors would appreciate having basic, unbiased investor education and information.¹ ¹ FINRA Investor Education Survey, 2007 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 Estate Planning Living Trusts Avoiding Probate Charitable Gifts Controlling the Distribution Paying Estate Taxes Benefits of A-B Trusts Gifting Strategies Charitable Lead Trusts Charitable Remainder Trusts Wealth Replacement Trusts Family Limited Partnerships Property Ownership Eliminating the Estate Tax Retirement How Much Do I Need to Save A New Chapter for Retirement SIMPLE IRAs Stretch IRAs IRA Rollover Roth 401(k) Profit-Sharing Plans Money Purchase Pension Plans 403(b) Plans Why Purchase Annuities Split-Annuity Strategy Annuity Living Benefits 1035 Exchanges Unforgettable Birthdays Your Business and Retirement Planning Options Future of Social Security Social Security Income Keogh Plans SEP IRAs Equity-Indexed Annuities Retirement Plan Distributions Traditional IRAs 401(k) Plans Managing Retirement Plans Save Now or Later Roth IRAs Tax Planning Capital Gains Tax Estate Tax Gift Tax Retirement Plan Limits Estate Tax Repeal Required Minimum Distributions Charitable Trust Tax Benefits Retirement Plan Taxes Withdrawing Before Age 59.5 Tax Deferral Tax-Advantaged Investments Tax Deductions Tax-Advantaged Alternatives Tax Strategies for Retirement Plans Tax-Free Investments Mutual Fund Profits Tax-Free Insurance Upgrades Investing Dividends Exchange-Traded Funds Growth Stocks vs. Value Stocks Mutual Fund Taxes Stock Zero-Coupon Bonds Annuity Taxes Bond Ladders Common Stock vs. Preferred Stock Diversification Types of Bonds Bonds Bond Ratings Stock Indexes Mutual Funds vs. Stocks Mutual Funds Closed-End Funds Mutual Fund Loads Annuities Fixed vs. Variable Annuities Investment Risks Asset Classes Asset Allocation College Savings Plans College Investment Options Managed Investments Dollar-Cost Averaging 529 Plans Cash Management Cash Management Basics Doubling Your Money Cash Management Tools Money Market Funds Managing Cash Biweekly Mortgages Reverse Mortgages Smart Financing Ideas College Financial Aid Savings Alternatives Effects of Inflation Home Equity Loans Risk Management Why Purchase Life Insurance Annuities as an Insurance Product Property and Casualty Insurance Business Owner Policies Life Insurance for Business Owners Split-Dollar Life Insurance Last-Survivor Life Insurance Disability Insurance for Business Owners Types of Life Insurance Term Life Insurance Whole Life Insurance Universal Life Insurance Variable Life Insurance Auto Insurance Insurance Claims Maximizing Insurance Benefits Insuring Your Future Protecting Your Home Assessing Disability Insurance Types of Health Care Additional Liability Coverage HMOs and PPOs Evaluating Insurance Companies Long-Term-Care Costs Medicare Coverage
At Benefit Services Group, we are committed to protecting your privacy as a visitor to this Web site and as our customer. To our visitors and to our customers, we offer this pledge: Benefit Services Group is the owner of the information, which is collected on this Web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy. Information Collection We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Web site. When you enroll for an insurance policy at Benefit Services Group, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of Benefit Services Group. so we can provide you with policyholder service. The employees of Benefit Services Groupare each required to sign and acknowledge a Confidentiality And Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information. When you purchase an insurance policy from Benefit Services Group, you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder Of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file. When you send us e-mail from this Web site, you will provide us with certain personally identifiable information including your e-mail address. Securities offered through Registered Representatives of NFP Securities, Inc., A Broker/Dealer and Member FINRA/SIPC Investment Advisory Services offered through Investment Advisory Representatives of NFP Securities, Inc. a Federally Registered Investment Advisor Benefit Services Group is an affiliate of National Financial Partners Corp., the parent company of NFP Securities, Inc. This site is published for residents of the United States only. Registered representatives and investment advisor representatives of NFP Securities, Inc. may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact the NFP Securities, Inc. Compliance Department at 512-697-6000