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Timely, relevant, and actionable investment perspective, best practices, and planning insights for institutional and wealth management clients from CAPTRUST's Consulting Research Group.

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Bypassing Probate

Wednesday, December 26, 2018

You may have heard about the horrors of probate, but in truth, probate has gotten an undeservedly bad reputation. If you bypass probate, your estate will go to your beneficiaries without any court proceeding, and you may save a certain amount of time and expenses. However, there is usually little reason for most people to avoid probate today.

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Annuity Basics

Wednesday, December 26, 2018

An annuity is a contract between you, the purchaser or owner, and an insurance company, the annuity issuer. In its simplest form, you pay money to an annuity issuer, and the issuer pays out the principal and earnings back to you or to a named beneficiary. Life insurance companies first developed annuities to provide income to individuals during their retirement years.

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Annuities: Traps for the Unwary

Wednesday, December 26, 2018

Annuities are fairly straightforward products as far as taxation is concerned. However, there are several ways to trigger an unexpected taxable event. Such an event can happen when you transfer the ownership of an annuity, or if your corporation purchases an annuity. You should also be aware of the rules regarding the taxation of annuity payments made to your beneficiaries.

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The Roth 401(k)

Wednesday, December 26, 2018

Employers can offer 401(k) plan participants the opportunity to make Roth 401(k) contributions. If you’re lucky enough to work for an employer who offers this option, Roth contributions could play an important role in maximizing your retirement income.

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An Introduction to Estate Planning

Friday, December 21, 2018

Estate planning is a process designed to help you manage and preserve your assets while you are alive, and to conserve and control their distribution after your death. What estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life stage, goals, and many other factors determine your particular estate planning needs.

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Estate Planning and 529 Plans

Friday, December 21, 2018

When you contribute to a 529 plan, you'll not only help your child, grandchild, or other loved one pay for college, but you'll also remove money from your taxable estate. This will help you minimize your tax liability and preserve more of your estate for your loved ones after you die. So, if you're thinking about contributing money to a 529 plan, it pays to understand the gift and estate tax rules.

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