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Business Owner   Articles     Benefits and retirement plans       Benefit plans for small businesses       Key employee life and disability insurance       Life insurance for the self-employed       Retirement plans for small businesses       Understanding individual 401(k) plans       What employers need to know about workers' compensation insurance     Insuring a business       Properly insuring your business       Why insure your business?     Starting a business       Advantages and disadvantages of self-employment       Choosing an entity for your business       Funding a business       Hiring your first employee       Qualifying for the home office deduction       Record keeping for your own business       Starting or buying a business       Tax planning for the self-employed     Transferring or selling a business       Funding a buy-sell agreement with disability insurance       Funding a buy-sell agreement with life insurance       Transferring your family business   FAQs     Advertising a business       How can I get free publicity for my business?       How do I know where to advertise my business?   Estate Planning   FAQs     Estate and gift tax       How can I minimize taxes on my estate?       How will estate taxes be paid if I leave no provision in my will?       I just made a gift. Do I have to file a gift tax return?       If I am the account owner when I die, will the value of my 529 account be included in my estate?       The death benefit from insurance on my life will be paid to an irrevocable life insurance trust (ILIT). What if those funds are needed to pay my estate taxes?       What is a family limited partnership, and will it help reduce estate taxes?     Estate planning basics       How often do I need to review my estate plan?       Isn't estate planning only for the rich?       What makes up my taxable estate?     Life insurance and estate planning       Are life insurance proceeds income taxable?       The death benefit from insurance on my life will be paid to an irrevocable life insurance trust (ILIT). What if those funds are needed to pay my estate taxes?       What is a life insurance trust and why should I consider establishing one?       When I die, is my beneficiary required to take a lump-sum payment of my life insurance death benefit?       Will my beneficiaries have to pay taxes on the proceeds of my life insurance policy?     Planning for incapacity       What is an advanced directive for health care, and will it help me avoid court involvement during incapacity?       What is the difference between a power of attorney and a durable power of attorney?     Probate       Does property owned jointly avoid probate?       What is probate and why do I want to avoid it?     Trusts       Can an UGMA/UTMA account reduce my child's financial aid for college?       Should I establish a trust for my child's college education fund?       What is a Crummey power?       What is a life insurance trust and why should I consider establishing one?       What is a living trust?     Wills       Can I disinherit relatives I don't like?       Can I transfer my business through my will?       Do I have to accept a bequest I don't want?       Do I need an attorney to prepare my will?       How will estate taxes be paid if I leave no provision in my will?       I want my son to have my valuable collection of baseball cards when I die. How do I make sure he gets it?       What is the difference between a living will and a living trust?       What will happen if I die without a will?       Who should I name as guardian of my children in case my spouse and I should die at the same time?       Who should I name as trustee?   Investment Planning   Articles     Choosing investment vehicles       Annuity basics       Creating an investment portfolio     Investment basics       Understanding risk     Investment goals       Asset Allocation       Dollar cost averaging       Retirement planning--the basics   FAQs     Creating an investment portfolio       Does a state savings plan allow me to choose my own investments?       How aggressive should I be when I invest for retirement?       How do I construct an investment portfolio that's right for me?       How long should I hang on to an investment?       How much of my portfolio should I keep in stocks?       How should I structure my retirement portfolio?       What recourse do I have if I'm unhappy with my state savings plan's investment performance?       What's the difference between how a state savings plan invests and how a prepaid tuition plan invests?     Taxes       How did the Jobs and Growth Tax Relief Reconciliation Act of 2003 change capital gains tax rates?       I have investment property. What does basis mean, and how do I determine the basis of my property?       Will I have to pay tax on my investment income?   Protection Planning   Articles     Annuities       Annuities and retirement planning       Annuities: traps for the unwary       Annuity basics       Annuity distributions       Fixed annuity contracts       Funding an annuity: what are the options?       Guaranteed annuity contracts       Qualified and nonqualified annuities       Shopping for an annuity       Tax planning for annuities       Tax-deferred annuities: are they right for you?       Variable annuities       What are annuity subaccounts?     Business insurance       Funding a buy-sell agreement with disability insurance       Funding a buy-sell agreement with life insurance       Key employee life and disability insurance       Life insurance for the self-employed       Why insure your business?     Life insurance       How much life insurance do you need?       Life insurance: do you need it?   Special Situations   Articles     Caring for an aging parent       Caring for your aging parents       Do your parents need long-term care insurance?       Facing the possibility of incapacity       Housing options for older individuals       Medicaid and nursing home care       Medicaid and the principal residence       Medicaid planning basics       The sandwich generation: juggling family responsibilities.   Decision Tools     Caring for an aging parent       Housing options for aging parents       Tips for caregivers   FAQs     Caring for an aging parent       How can I pay for nursing home care?       How can I tell if a nursing home provides high-quality care?       How do I talk to my elderly parents about their finances?       I paid my mother's real estate taxes last year. Can I deduct this on my tax return?       I'm planning to add an in-law apartment to my home. How will this affect my homeowners insurance?       I'm thinking about placing my mother in a nursing home. Will Medicaid pay for her care?       Is there such a thing as nursing home insurance?       My mother is 90. Is it OK for her to keep driving?       My parents can't manage alone anymore. What should I do?       What types of nursing care does long-term care insurance cover?   Tax Planning   Articles     General tax planning       Help! I can't pay my tax bill       Tax planning for income       Tax planning for the self-employed       Year-end tax planning