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Ana I. Ramirez, AIF®


Investment Advisor

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

How Does Inflation Affect Me?

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

Cash Management

How Do Money Market Mutual Funds Work?

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

Estates & Trusts

How Can a Living Trust Help Me Control My Estate?

A living trust can help control the distribution of your estate upon death.

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.

Retirement

What Does the Changing Pension Landscape Mean for Retirement?

With the changing pension landscape, it is important to take charge of your own retirement security.

Risk Management

What Does Medicare Cover?

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

Risk Management

Am I Prepared for Long-Term Care Expenses?

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

Tax Planning

How Much Money Can I Put Into My IRA or Employer-Sponsored Retirement Plan?

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

Tax Planning

When Must Taxes Be Paid on IRA and Employer-Sponsored Retirement Funds?

With traditional IRAs and most employer-sponsored retirement plans, taxes are not payable until funds are withdrawn.

Tax Planning

What Is a Required Minimum Distribution?

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.

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