Articles for Better Understanding

Education & Research


Third party articles to help give more clarity on various financial topics.


*Please remember that all financial decisions should be based on your own individual goals, needs, and specific situation. These articles have been provided for educational and informational purposes onlyand should not be used or construed as a recommendation or a product solicitation. Please consult your tax and or legal advisor before making any final decisions.


All articles, educational flyers, brochures, and guides are copyrighted by their respective authors /companies.

Each of these PDF documents are specifically designed for public information and can be found on each individual company's website.




TOP 10 Things CONSUMERS Should Know About the CLOSING PROCESS
How improvements to mortgage disclosure forms make it easier for consumers to understand the terms of their loans and closing costs.
by Old Republic Title Group
Adobe Acrobat Document 659.4 KB
TOP 10 Things SELLERS Should Know About The TILA-RESPA Integrated Disclosure (TRID)
Important information about the Seller's Closing Disclosure (Seller CD).
by Old Republic Title Group
Adobe Acrobat Document 638.7 KB
TOP 10 Things REAL ESTATE AGENTS Should Know About The TILA-RESPA Integrated Disclosure (TRID)
Important information about the Buyer's Closing Disclosure (Buyer CD)
by Old Republic Title Group
Adobe Acrobat Document 643.1 KB

Getting Started: BUYERS

Use this scorecard to help you and your Realtor compare the homes you look at.
by Old Republic Title Group
*We can refer you to an experienced Realtor if needed.
Adobe Acrobat Document 340.7 KB
Getting Financing
If you plan to finance your home purchase, it’s crucial to start the mortgage loan process well before buying a home; even prior to the bidding process.
by Old Republic Title Insurance Group
*We can refer you to an experieced mortgage representative if needed.
Adobe Acrobat Document 331.8 KB

Real Estate Terms

Real Estate Dictionary
Old Republic Title offers this dictionary as a reference tool for individuals and
organizations in the real estate community.
by Old Republic Title Insurance Group
Real Estate Dictionary.pdf
Adobe Acrobat Document 566.0 KB

Title Insurance

For Homebuyers: A Guide To Title Insurance
What It Is / Why It Matters / How You Benefit
by Fidelity National Title
Adobe Acrobat Document 23.3 KB
The Importance of An Owner's Title Insurance Policy
Title Insurance is a means of protecting yourself from financial loss in the event that problems develop regarding the rights to ownership of your property.
by Old Republic Title Group
Adobe Acrobat Document 230.2 KB
7 Reasons Why Every Homebuyer Needs Owner’s Title Insurance
Why an owner's title policy is important for you.
by Fidelity National Title
Adobe Acrobat Document 60.7 KB
21 Reasons For Title Insurance
Title insurance protects a policyholder against challenges to rightful ownership of real property, challenges that arise from circumstances of past ownerships.
by Fidelity National Title
Adobe Acrobat Document 58.7 KB
Title Insurance for the Current Home Owner
The benefits of Title insurance for current home owners.
by Stewart Title
Adobe Acrobat Document 850.8 KB
Managing Risk in Commercial Property Transactions
Title insurance that is specialized for commercial property.
by Stewart Title
Adobe Acrobat Document 3.4 MB

Section 203(k) Loan Program

203K Rehab Loans - Turning “Fixer-Uppers” into Dream Homes
Info about Section 203(K) Loans.
by the U.S. Department of Housing and Urban Development (HUD)
*Please consult a licensed mortgage representative and or your tax professional for any specific 203K related questions.
Adobe Acrobat Document 116.1 KB

Property Taxes & Home Insurance

New Jersey Property Tax Benefits Brochure
Info about NJ property taxes from the New Jersey Division of Taxation.
*Please consult your tax professional for any specific tax questions.
Adobe Acrobat Document 263.5 KB
Homeowner Insurance Policy Buyer's Guide
"A Consumer's Guide to Home Insurance".
by the National Association of Insurance Commissioners (NAIC)
*We can refer you to a licensed Home Insurance Broker for any homeowner insurance related questions.
Home Insurance Consumer Guide.pdf
Adobe Acrobat Document 2.4 MB

Real Estate Investing - 1031 Exchange

Internal Revenue Code Section 1031 Exchanges
A brief explanation of the tax deferred 1031 Exchange.
by WFG National Title
*Please consult your tax professional for any specific tax questions.
Adobe Acrobat Document 1'014.9 KB
1031 Exchange Brochure
A 9-page detailed brochure on 1031 Exchanges.
by Old Republic Exchange Company, subsidiary of Old Republic Title Insurance Group
*Please consult your tax professional for any specific tax questions.
Adobe Acrobat Document 985.1 KB
1031 Exchange Topics
45-page "advanced reading" guide on the various types of 1031 Exchanges.
by IXP 1031, a subsidiary company of Fidelity National
*Please consult your tax professional for any specific tax questions.
Adobe Acrobat Document 963.0 KB
1031 Reverse Exchange
A 4-page brochure on Reverse and Improvement 1031 Exchanges.
by First American Exchange Company, a subsidiary company of First American
*Please consult your tax professional for any specific tax questions.
Reverse 1031 Exchange Guide.pdf
Adobe Acrobat Document 4.8 MB
1031 Reverse Exchange Topics
33-page "advanced reading" guide on the types of 1031 Reverse Exchanges.
by IXP 1031, a subsidiary company of Fidelity National
*Please consult your tax professional for any specific tax questions.
Adobe Acrobat Document 583.9 KB

Selling Your Home

Pricing to Sell
Pricing your home to sell quickly.
by Old Republic Title Insurance Group
*We can refer you to an experienced Realtor to help sell your home.
Adobe Acrobat Document 607.0 KB
IRS Publication 523 - Selling Your Home
This publication explains the tax rules that apply when you sell or otherwise give up ownership of a home.
by Department of the Treasury Internal Revenue Service
*Please consult your tax professional for any specific tax questions.
Publication 523.pdf
Adobe Acrobat Document 1.7 MB


Life Insurance

No Place Like Home
Get peace-of-mind knowing your loved ones could afford to keep your home, even if something were to happen to you.
by Banner Life
mortgage-coverage-500k ph.pdf
Adobe Acrobat Document 402.5 KB
Tips on Buying Life Insurance
Here are 13 tips to make sure you get the coverage you want from a company you trust.
by The American Council of Life Insurers
Tips on Buying Life Insuance - ACLI Arti
Adobe Acrobat Document 66.3 KB
Life Insurance Needs Worksheet
How much life insurance coverage will you need?
by Banner Life
how-much-do-you-need ph.pdf
Adobe Acrobat Document 170.8 KB
Protect Your Loved Ones with Life Insurance
Monthly premiums for 20-Year $1 million Term life policy.
by Banner Life
Adobe Acrobat Document 490.4 KB
40-Year Term Life
The benefits of buying 40 years of Term life insurance protection.
by Banner Life
benefits-of-40-year-term Ph.pdf
Adobe Acrobat Document 920.5 KB
Life Insurance Policy Check-Up
Reviewing your life insurance policy to match your changing plans and priorities.
by Banner Life
life-check-up Ph.pdf
Adobe Acrobat Document 332.7 KB


The Truth About Annuities
A look at some of the top annuity myths, and the truth behind them.
by Great American Life Insurance Company
The Truth About Annuities.pdf
Adobe Acrobat Document 92.5 KB
Annuity Buyer's Guide
"Buyer's Guide to Fixed Deferred Annuities".
by the National Association of Insurance Commissioners (NAIC)
Buyer's Guide to Deferred Annuities.pdf
Adobe Acrobat Document 12.4 MB
American Legend 7 Annuity
The "American Legend 7" Annuity
A fixed-indexed annuity from Great American Life Insurance Company.

+ While everyone's financial needs may be different, this particular annuity may be of interest if you have at least seven years until retirement.
Call / text / email me for a no-obligation in-home appointment, and let’s work together to find out if either this or other type of financial product can best suit your specific needs. (New Jersey residents only)
American Legend 7.pdf
Adobe Acrobat Document 4.4 MB

Long-Term Care Insurance

LTC Insurance Buyer's Guide
"A Shopper's Guide to Long-Term Care Insurance".
by The National Association of Insurance Commissioners (NAIC)
LTC Shoppers Guide.pdf
Adobe Acrobat Document 9.5 MB

Mutual Funds

Understanding Mutual Funds
An educational booklet explaining mutual funds.
by Oppenheimer Funds

Malleo Financial Services does not offer mutual funds. However, we believe that all consumers should be educated on how mutual funds work, which can help them in making more informed investment decisions.
*We can refer you to a licensed investment professional.
Adobe Acrobat Document 406.6 KB

Estate Planning

Asset Protection
Basic principles and strategies for safeguarding your wealth. (02/22)
by Putnam Investments
Asset Protection.pdf
Adobe Acrobat Document 213.8 KB
Asset Protection Checklist
A good asset protection plan can help you maintain your standard of living and preserve your ability to pass assets to heirs or charitable organizations. (02/22)
by Putnam Investments
Asset Protection CHECKLIST.pdf
Adobe Acrobat Document 154.3 KB

Business Planning

Business Succession Planning
Strategies for increasing the value of your business and positioning it for the future. (04/21)
*Investor Education Series by Putnam Investments
Succession Planning.pdf
Adobe Acrobat Document 255.4 KB
Business Overhead Expense (BOE) Disability Income Insurance
An explanation of Business Overhead Expense (BOE) Disability Income insurance.
by Assurity Life
Adobe Acrobat Document 1.1 MB
Buy-Sell Agreements & Life Insurance
Funding a Buy-Sell Agreement with Life Insurance.
by North American Company for Life & Health Insurance
Business Buy-Sell Life.pdf
Adobe Acrobat Document 1.4 MB
Executive 162 Bonus Plan
An explanation of what an "Executive 162 Bonus Plan" is, using either life insurance or an annuity, and it's pros and cons.
by American National Life
Executive 162 Bonus Plan.pdf
Adobe Acrobat Document 153.4 KB



Malleo Financial Services LLC and our affiliates do not and cannot offer any specific tax or legal advice.  

Please consult your tax or legal professional for such advice.