Financial Education Center

Funding Your Future with a Fixed Annuity

A fixed annuity is a contract between you and an annuity issuer, usually an insurance company. In its simplest form, you pay money to the annuity issuer; the issuer invests the funds and pays the principal and its earnings back to you or to your named beneficiary. What's fixed about a fixed annuity? The issuer guarantees (subject to its claims-paying ability) a minimum rate of interest on your investment and a fixed benefit amount if you elect to annuitize.

Veterans Pensions for Retired Servicemembers

The Department of Veterans Affairs (VA) pension program benefits former servicemembers who have limited incomes and, in some cases, health problems that aren't related to military service. The VA also administers a special pension program for Medal of Honor recipients.

As a Servicemember, How Can I Protect Myself Against Identity Theft?

These days, anyone can fall victim to identity theft and servicemembers might be relatively easy targets. Because servicemembers are away from home for long stretches of time and receive a steady source of income, it's easy for scammers to obtain a servicemember's information without being noticed.

Transformation in a Fourth Generation Family-Owned Bank

When most people think about family businesses, transformation and innovation are probably not the first things that come to mind. Doing things the same way as the prior generation did them is how most people probably think about family businesses, and perhaps it is even part of the lore of the family businesses.

Using Small Business Administration (SBA) Loans to Raise Capital for Your Business

The SBA loan program is a government-sponsored program created to encourage, assist, and protect small businesses. With few exceptions, the SBA does not loan directly to businesses. Rather, it guarantees loans provided by banks and other financial organizations, and establishes guidelines for the loans.

Family Business Spotlight: Dovetail Furniture, a Family Business Designed to Last

Dovetail Furniture opened its doors 30-years ago, led by co-founders Charlie Shaw and Ted Einstein. Barbara Einstein, Ted’s wife, later joined the organization and is credited with helping the company evolve creatively.