L² Financial

Helping in the Creation, Preservation
and Distribution of Your Estate

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Address:

Larry Horowitz, CLU, ChFC
15720 Brixham Hall Ave., Suite 575
Charlotte, NC 28277

Phone:

704.716.3431

Fax/Other:

704.369.2918

Articles

75% of Americans agree they would benefit from having basic financial education and information.

Source: The 2016 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

  • Estate Planning

    Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.

  • Living Trusts

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

  • Avoiding Probate

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

  • Charitable Giving

    To retain the tax advantages associated with charitable giving, your gift must be made to a qualified organization.

  • Controlling the Distribution

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

  • Paying Estate Taxes

    If you believe your estate will be subject to estate taxes, consider how your heirs will pay the bill.

  • Benefits of A-B Trusts

    An A-B trust can be an effective way to help reduce estate taxes and preserve family assets for heirs.

  • Gifting Strategies

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

  • Wealth Replacement Trusts

    A wealth replacement trust could be used to gift appreciated assets to a charity as well as provide for heirs.

  • History of the Federal Estate Tax

Retirement

  • SEP IRAs

    A SEP IRA is a type of plan under which the employer contributes (up to a certain limit) to an employee’s IRA.

  • SIMPLE IRAs

    The SIMPLE plan may appeal to small biz owners as it is easy to set up, administer, and allows for a tax deduction.

  • Stretch IRAs
  • IRA Rollover

    If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.

  • Split-Annuity Strategy

    A split annuity strategy can generate immediate income while potentially stretching some retirement savings.

  • A New Chapter for Retirement
  • 1035 Exchanges

    A Section 1035 exchange is a tax-free exchange of an existing annuity contract or life ins. policy for a new one.

  • Planning Options

    There’s a variety of retirement planning options that could help meet your needs. Here’s some of the most popular.

  • Future of Social Security
  • Social Security Income
  • Self-Employed Retirement Plans

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

  • Traditional IRAs

    If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.

  • 401(k) Plans

    401(k) employer-sponsored retirements plans have many benefits, including that the funds accumulate tax-deferred.

  • Managing Retirement Plans

    Employer-sponsored retirement plans are more important than ever, but managing the assets can be confusing.

  • Roth IRAs

    Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.

Tax Planning

  • 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 Strategies for Retirement Plans

    Consider a trustee-to-trustee transfer to an IRA vs a lump-sum distribution from a workplace retirement plan.

Investing

  • Dividends

    It is important to understand how dividends (taxable payments to shareholders) fit with your long-term goals.

  • Exchange-Traded Funds

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

  • Growth Stocks vs. Value Stocks

    The labels “growth” and “value” reflect different approaches that can be used when making investment decisions.

  • Diversification

    An important element to successful investing is to manage investment risk while maintaining the potential for growth.

  • Investment Risks

    Understanding different types of investment risk can help investors manage their money more effectively.

  • Asset Classes
  • Asset Allocation

    Asset allocation is a method used to help manage investment risk; it does not guarantee against investment loss.

  • College Savings Plans

    There are several funding methods for a child's college education including mutual funds and Section 529 plans.

  • Stock and Bond Investing Alternatives

    There are other ways to invest in stocks and bonds besides owning individual shares.

  • 529 Plans

    529 plans are a tax-advantaged college savings plans that generally allow people of any income level to contribute.

Cash Management

  • Doubling Your Money

    Before making investment decisions, it is helpful to determine the real rate of return on the investment.

  • Money Market Funds

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

  • Managing Cash

    There are numerous investment alternatives available to help provide liquidity.

  • College Financial Aid

    It's important to understand the options, such as financial aid grant programs, when having to pay for college.

  • Effects of Inflation

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

Risk Management

  • Term Life Insurance

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

  • Whole Life Insurance

    Some of the pros and cons of whole life insurance.

  • Universal Life Insurance

    Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

  • Variable Life Insurance

    Variable life insurance gives you the control to allocate your account value among a variety of investment options.

  • Maximizing Your Insurance Benefits

    Several factors could undermine the financial security provided by the proceeds of your life insurance policy.

  • Insuring Your Future

    To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

  • Assessing Disability Income Insurance

    Knowing the basics of a disability income insurance policy is a good first step toward protecting your family.

  • Long-Term Care Costs

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

  • Medicare Coverage

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

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