If you’ve reached a certain age, you may have recently received a letter from your bank, brokerage firm or mutual fund company, informing you that you’ll have to take an RMD before year end – and they may have even told you what the amount is. So what is an RMD? Well, let’s start by […]
We’re pleased a present a look back at 2016 here, courtesy of the professionals at Dimensional Fund Advisors.
The December 2016/January 2017 edition of “The Accountant”, published by the Oregon Society of CPA’s, included our article on Core Financial Planning Areas for Your Clients. The article highlights a number of areas where CPAs can assist their clients, including: – financial statements – risk management – tax management – education planning – investment management […]
According to the Social Security Administration, benefits will receive a 0.3% increase in 2017, compared to the 0% increase they received this year. The average monthly benefit will increase to $1,360 from $1,355 starting in January. There was no automatic adjustment in 2016 because of low inflation. Next year will mark the fourth consecutive year […]
In his recent Insight column for the Financial Times, Dan McCrum described gold as “the perfect medium for pseudo-analysis”, and argued that the price of gold can never be more than fashion. Click here to read his thought-provoking piece from October 12, 2016.
Experiencing market volatility early in retirement can be a very unsettling experience for a new retiree, and may raise the legitimate concern of whether early early market declines combined with portfolio withdrawals can jeopardize a retirement plan. In fact, the risk – more formally known as “sequence of returns” – is real. The chart below […]
Click here to read our second quarter market commentary.
This is Springwater’s Source, a topic or issue in personal finance and investing, shared visually. The Source will share one concept, once a month, in about a minute or less. Educated investors understand that there is a benefit to diversification. Setting aside grandma’s warning to not put “all your eggs in one basket”, there are […]
This is Springwater’s Source – a topic or issue in personal finance and investing, shared visually. The Source will share one concept, once a month, in about a minute or less. An important concept derived from financial economics is that of a “risk premium”. In a nutshell, this premium is what investors can expect to […]
First of all, we do not sell annuities – or indeed any financial products. We are not insurance agents nor do we represent any insurers. We work for our clients – some of whom have purchased annuity contracts they later wish they hadn’t. Here is how we may be able to help you: The Tax […]