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 only, and 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.
REAL ESTATE TOPICS
TOP 10 THINGS TO KNOW
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
by Old Republic Title Group
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
by Old Republic Title Group
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
by Old Republic Title Group
Getting Started: BUYERS
BUYER’S SCORECARD
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.
by Old Republic Title Group
*We can refer you to an experienced Realtor if needed.
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.
by Old Republic Title Insurance Group
*We can refer you to an experieced mortgage representative if needed.
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
organizations in the real estate community.
by Old Republic Title Insurance Group
Title Insurance
For Homebuyers: A Guide To Title Insurance
What It Is / Why It Matters / How You Benefit
by Fidelity National Title
by Fidelity National Title
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
by Old Republic Title Group
7 Reasons Why Every Homebuyer Needs Owner’s Title Insurance
Why an owner's title policy is important for you.
by Fidelity National Title
by Fidelity National Title
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
by Fidelity National Title
Title Insurance for the Current Home Owner
The benefits of Title insurance for current home owners.
by Stewart Title
by Stewart Title
Managing Risk in Commercial Property Transactions
Title insurance that is specialized for commercial property.
by Stewart Title
by Stewart Title
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.
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.
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.
*Please consult your tax professional for any specific tax questions.
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.
by the National Association of Insurance Commissioners (NAIC)
*We can refer you to a licensed Home Insurance Broker for any homeowner insurance related questions.
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.
by WFG National Title
*Please consult your tax professional for any specific tax questions.
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.
by Old Republic Exchange Company, subsidiary of Old Republic Title Insurance Group
*Please consult your tax professional for any specific tax questions.
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.
by IXP 1031, a subsidiary company of Fidelity National
*Please consult your tax professional for any specific tax questions.
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.
by First American Exchange Company, a subsidiary company of First American
*Please consult your tax professional for any specific tax questions.
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.
by IXP 1031, a subsidiary company of Fidelity National
*Please consult your tax professional for any specific tax questions.
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.
by Old Republic Title Insurance Group
*We can refer you to an experienced Realtor to help sell your home.
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.
by Department of the Treasury Internal Revenue Service
*Please consult your tax professional for any specific tax questions.
PERSONAL FINANCE TOPICS
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
by Banner Life
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
by The American Council of Life Insurers
Life Insurance Needs Worksheet
How much life insurance coverage will you need?
by Banner Life
by Banner Life
Protect Your Loved Ones with Life Insurance
Monthly premiums for 20-Year $1 million Term life policy.
by Banner Life
by Banner Life
40-Year Term Life
The benefits of buying 40 years of Term life insurance protection.
by Banner Life
by Banner Life
Life Insurance Policy Check-Up
Reviewing your life insurance policy to match your changing plans and priorities.
by Banner Life
by Banner Life
Annuities
The Truth About Annuities
A look at some of the top annuity myths, and the truth behind them.
by Great American Life Insurance Company
by Great American Life Insurance Company
Annuity Buyer's Guide
"Buyer's Guide to Fixed Deferred Annuities".
by the National Association of Insurance Commissioners (NAIC)
by the National Association of Insurance Commissioners (NAIC)
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)
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)
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)
by The National Association of Insurance Commissioners (NAIC)
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.
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.
Estate Planning
Asset Protection
Basic principles and strategies for safeguarding your wealth. (02/22)
by Putnam Investments
by Putnam Investments
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
by Putnam Investments
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
*Investor Education Series by Putnam Investments
Business Overhead Expense (BOE) Disability Income Insurance
An explanation of Business Overhead Expense (BOE) Disability Income insurance.
by Assurity Life
by Assurity Life
Buy-Sell Agreements & Life Insurance
Funding a Buy-Sell Agreement with Life Insurance.
by North American Company for Life & Health Insurance
by North American Company for Life & Health Insurance
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
by American National Life
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.