Whitepapers

Why U.S. Fuel Prices Rise Even When America Produces and Refines Enough Oil for the World.

The United States is one of the world’s largest producers of crude oil and the single largest refiner of petroleum products. Despite this apparent energy strength, U.S. gasoline and diesel prices remain highly sensitive to oil supply disruptions that occur elsewhere in the world. This whitepaper explains why energy independence does not equate to price independence.

An Analytical Research of Usury Rates and Socioeconomic Impacts in the United States.

As of early 2026, the debate over usury—the practice of lending money at unreasonably high interest rates—has reached a fever pitch following the January 2026 proposal for a 10% federal cap on credit card APRs. This white paper summarizes the legal architecture, evidentiary record, and policy options for controlling punitive interest rates—and evaluates how such controls might propagate to inflation dynamics.

Tariffs significantly shape international trade relationships, often acting as both a tool and a barrier in global commerce. In this whitepaper, we discuss the history of tariffs in the United States, their use in our current economic policies, and their influence both internationally and here at home. 

In your investing lifetime, you will live through several periods of market volatility. These periods may cause you to second-guess your investment strategy or even consider a different approach to managing your money. Certainly, the level of volatility we’ve seen during the COVID-19 (novel coronavirus) pandemic is rare.

How we think about and act upon money decisions is almost a minute-by-minute occurrence. Many triggers initiate these thoughts, ranging from ordinary to critical. The two features that seem to be preeminently present are trust and risk. Both trust and risk demand decisions, and we have resources for making those decisions. In this whitepaper, we discuss how our brains approach financial decisions and poses guidance on how to follow through with them in a more analytical way.

This whitepaper discusses how investing has changed and how you can change the game, based on research of our emotions, decision strategies, and how to create a solid foundation supporting your goals... It is time for your game now. 

Today’s retirees are living longer than ever before and experiencing retirement in new ways. While you can’t be certain what the future holds, you can strategize for the retirement life you want—and take these five steps to help you get there with confidence.

Highlights Include:
- Powerful information that could potentially save you thousands in taxes and fees
-Tips to help put you one step ahead in your retirement preparations
-Critical mistakes that cannot be corrected (and how to avoid them)

A good time to start investing for retirement is when you’re a young adult, if you’re in your middle-aged years, it’s not too late. Although you may need to save three times more if you start at 45 than if you started investing at 25, your goal of building a healthy nest egg may be within reach.

As an educator contemplating the transition from work to retirement, we understand that you may have several questions about when and how you can retire. This report addresses some common questions and offers strategies to help you plan for a comfortable retirement.

As a business owner, you face unique challenges and opportunities when building your financial future. This special report provides insights on mistakes to avoid and steps to take for building the retirement you desire—while managing your myriad responsibilities.

Women investors face many challenges to building wealth and securing their financial futures. We developed this resource as a guidebook for women who are seeking perspectives on how to take control of their financial lives. We hope you find useful information that helps you make the most of you financial well-being today and every day.

Every family is different, which means that each of us must create financial strategies with our particular circumstances in mind. This is especially important for parents of children with special needs, when you must consider both the present as well as a future where parents are no longer managing their child’s day-to-day needs and agenda. As with many of the first decisions we make as parents, these considerations may begin taking shape before birth.

Financial literacy is most effectively absorbed when it is linked to behavior, because money decisions are both emotional and analytical. Teens can often explain what a budget, an investment, or interest is long before they understand how it feels to choose between competing priorities or live with the outcome of a decision.

Losing a loved one is emotionally draining and often confusing. Perhaps this guide will give some clarity to the tasks necessary in this difficult time.