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79% of Americans agree they would benefit from having basic financial education and information.

Source: The 2018 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

Avoiding Probate

The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.
Controlling the Distribution

If you haven’t taken steps already, consider planning now for the distribution of your estate’s assets.
Gifting Strategies

Compare the advantages and disadvantages of different gifting strategies available for planned giving.
Property Ownership

Sole ownership, joint tenancy, tenancy in common, and community property have special benefits for property owners.

Retirement

SIMPLE IRAs

The SIMPLE plan may appeal to small business owners as it is easy to set up, administer, and allows for a tax deduction.
Money Purchase Pension Plans

A money purchase plan is a retirement plan where employer contributions are based on a fixed percentage of compensation.
Future of Social Security

Greater demand is being placed on the Social Security system as the baby boom generation has begun to retire.
Self-Employed Retirement Plans

Tax-deferred retirement plans for self-employed individuals have higher contribution limits than IRAs.

Tax Planning

Gift Tax

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

There can be a substantial benefit to deferring taxes as long as possible.
Tax-Advantaged Alternatives

While stable, CDs can create quite an income tax bill. Fixed annuities and municipal bonds can offer tax advantages.
Tax-Free Insurance Upgrades

A 1035 exchange allows you to exchange your life insurance policy for one from another company without tax liability.

Investing

Bond Ladders

A bond ladder is a strategy involving the purchase of bonds that have staggered maturity dates.
Exchange-Traded Funds

ETFs have unique attributes and attempt to track all types of indexes, industries, or commodities.
Types of Bonds

Bonds are issued by many entities and share many characteristics, each type of bond has certain benefits and risks.
Annuities

An annuity is a flexible financial vehicle that can help protect against the risk of living a long time because it provides an option for a lifetime income.

Cash Management

Cash Management Basics

A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.
Managing Cash

There are numerous investment alternatives available to help provide liquidity.
Reverse Mortgages

There are techniques that can enable older homeowners to use their property to finance their lifestyle.
Savings Alternatives

There are a number of savings alternatives that could help you earn a reasonable rate of return.

Risk Management

Why Purchase Life Insurance

If you have a family who relies on your income, it is important to have life insurance protection.
Life Insurance for Business Owners

Company-owned life insurance is one way to help protect a business from financial problems caused by the death of a key employee.
Term Life Insurance

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

Selecting health insurance is often one of the most important decisions you will make. Do you know the different types?

Contact Us

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Westlake, OH 44145

Phone:
440.835.6550

Fax:
440.835.6556

E-mail address: info@jmowealthmanagement.com

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Jason M. Orsky Wealth Management and Purshe Kaplan Sterling Investments are not affiliated companies. Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211.

Information on this website is intended for educational purposes only; it is not to be construed as tax or legal advice. For tax or legal advice, please consult your CPA or Attorney.

NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.

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