Below is a list of articles and educational material relating to various investment and planning concepts.

Retirement Planning Concepts:
	Introduction to Retirement Planning
	A Consumer's Guide To Annuities
	The Female Factor
	The Individual Annuity - A Resource In Your Retirement
	Benefit of Tax Deferral
	How much will you need for retirement?
	Understanding Variable Annuities
	Asset Allocation
	Dollar Cost Averaging
	Individual Retirement Accounts (IRAs)
	Taking Income from a Variable Annuity
	Benefits of using an Investment Professional

Life Insurance Concepts:
	Introduction to Life Insurance
	Family Protection
	Types of Life Insurance
	Life Insurance and Estate Planning
	Maximizing Life Insurance Benefits
	What You Should Know About Buying Life Insurance
	Insurance Carrier Ratings

Estate Planning Concepts:
	Introduction to Estate Planning
	Do You Need an Estate Plan?
	Life Insurance and Estate Planning
	Applicable Exclusion Amount
	Updating Your Estate Plan
	Minimizing Estate Taxes
	The Necessity of a Will
	Living Trusts are Not Just for the Wealthy
	Should You Execute Power of Attorney?
	Marriage and Estate Taxes
	Tis Better to Give

Basic Investment Concepts:
	Investing Internationally
	The Pain of Capital Gain
	Why Invest In Mutual Funds?
	Understanding Variable Annuities
	Asset Allocation
	Dollar Cost Averaging

529 College Savings Plans:
	Montana

Taxes:
	2001 Tax Law Summary
	2003 Tax Law Summary

Glossary:
	Insurance Terms

Other:
	Understanding Medicare
	Nursing Home Cost
	Charitable Remainder Trusts

The content and tools contained in the Financial Planning and Educational Information sections of PacificLife.com are intended to provide you with only a basic understanding of your situation and needs, not to provide advice of any sort.  For a more in-depth and overall analysis of your specific situation and needs, please contact an Investment or Life Insurance Professional.

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