Springwater Wealth Management, LLC

  • Home
  • Who We Are
  • How We Help
  • Who We Serve
  • Resources
  • Contact Us
  • For Clients

Investing using Individual Bonds or Bond Funds

Posted on April 17, 2018

Yesterday one of our clients asked us for the cost basis for a corporate bond that had been in her portfolio. It matured last year (2017) and the principal was returned to our client. Her CPA was working on her taxes and needed to know what our client originally paid for the bond – the […]

Filed Under: Newsletter // Tagged: bonds, investing, investment management, mutual funds, personal finances, retirement, wealth management

Avoiding mistakes when dividing retirement accounts in divorce

Posted on April 10, 2018

The dissolution of a marriage is often a very stressful and challenging process, and decisions on dividing retirement assets can often exacerbate things, as this nest egg usually represents the couple’s largest resource base. And making mistakes when splitting these accounts can result in taxes, penalties and, potentially, an unintended portion of the money going […]

Filed Under: Newsletter // Tagged: 401(k), divorce, IRA, pension, personal finances, QDRO, retirement plans, Roth IRA

Retirement Distribution Planning

Posted on April 3, 2018

So, you’ve managed to save enough to retire and spend the rest of your life doing things that really matter to you. If you’re like most Americans, and did not work in the public sector, you probably don’t have a pension from your prior employer(s). Instead, you saved in your employer-sponsored retirement plan. You probably […]

Filed Under: Newsletter // Tagged: distribution planning, financial planning, income planning, IRA, personal finances, retirement, Roth IRA, Social Security, taxes, wealth management

The Administration Roils the Stock Market

Posted on March 26, 2018

Economists tell us that there are a few things that can derail a strong economy. The government can raise taxes. The central bank (i.e. Federal Reserve) can raise interest rates. Prices can jump (i.e. inflation). War can break out. The U.S. economy has been performing very well for the past several quarters. Inflation is low. […]

Filed Under: Newsletter // Tagged: economics, investing, personal finances, stock market, taxes, U.S.

Do you know what you’re paying your “advisor”?

Posted on March 20, 2018

The long-running battle for the interests of American investors continues. Imagine that your doctor writes you a prescription for a certain medication – even though a better, less expensive option is available – and receives a commission from the drug company for the prescription. If caught for doing so, the doctor would risk losing their […]

Filed Under: Newsletter // Tagged: fee-only, fiduciary, investment management, mutual funds, personal finances, U.S., variable annuities, wealth management

Oregon says “no” to 529 plan use for private schools

Posted on March 13, 2018

A few weeks ago we noted that Congress, though the 2017 Tax Cuts and Jobs Act, allowed owners of 529 education plan accounts to pay for private school tuition for kindergarten through 12th grade. Funds taken from a 529 plan to pay for private school will not be subject to federal income taxes. However, we […]

Filed Under: Newsletter // Tagged: 529 plans, college, personal finances, taxes, U.S.

Losing the Deduction for Professional Fees Probably Won’t Hurt You

Posted on March 7, 2018

Until Congress passed the Tax Cuts and Jobs Act last December, investors were able to deduct the fees associated with the professional management of their investments. These fees were deductible to the extent that the taxpayer’s total miscellaneous itemized deductions exceeded 2% of their adjusted gross income. For example, assume your that adjusted gross income […]

Filed Under: Newsletter // Tagged: financial planning, investment management, IRA, personal finances, taxes, U.S., wealth management

The Oregon College Savings Plan and Tax Reform

Posted on February 27, 2018

As we mentioned in an earlier post, Congress made changes to 529 education plans when it passed The Tax Cuts and Jobs Act in December 2017. It is now possible to use a 529 plan to pay up to $10,000 per year, per student for private school tuition for kindergarten through 12th grade. This is […]

Filed Under: Newsletter // Tagged: 529 plans, college, personal finances, taxes, U.S.

What is a bond’s duration, and why does it matter?

Posted on February 20, 2018

With the Federal Reserve planning to continue gradually increasing short-term interest rates, investors should be familiar with the concept of “duration” for fixed income investments. Most investors will understand that a bond’s “maturity” measures how long a fixed income investment lasts, i.e. when they will receive their principal back from the bond issuer. What is […]

Filed Under: Newsletter // Tagged: bonds, ETFs, interest rates, investing, mutual funds, personal finances

A tax-efficient way to donate to charity

Posted on February 13, 2018

Owners of individual retirement accounts who are at least age 70 1/2 can contribute some or all of their IRAs directly to charity. The motivation to do so is that it can be advantageous from a tax perspective in some cases. If you have a traditional IRA, you must begin taking required minimum distributions (RMDs) […]

Filed Under: Newsletter // Tagged: charitable giving, financial planning, IRA, Required Minimum Distributions, RMDs, taxes, wealth management

Next Page »

OUR LOCATIONS

Our Portland office is conveniently located off Highway 217 in the Lincoln Center office complex.

Lincoln Center 5
10200 SW Greenburg Road, Suite 320
Portland, OR 97223

Our Bay Area office is located in downtown Santa Cruz.

615 Water Street
Santa Cruz, CA 95060

Schedule a Free Consultation

If you'd like to learn more about how we can help you build a solid plan for your future, let us know by filling out our contact form. Or give us a call at (888) 998-4796.

Connect with Us

Want to keep up with the latest news from Springwater? Follow us across our social networks.
  • Facebook
  • Google+
  • Linkedin
  • Twitter
  • YouTube
  • Disclosure
  • Privacy Policy
  • Fiduciary Commitment
  • Financial Links

© Copyright 2016 · Springwater Wealth Management, LLC · All Rights Reserved