by Springwater Wealth | Jan 29, 2019 | Newsletter
Last Friday the partial shutdown of the federal government ended, as Congress passed and the president signed a temporary spending measure which will keep the government open until the middle of February. The longest shutdown in history hit many of the 800,000...
by Springwater Wealth | Jan 22, 2019 | Newsletter
There is an old adage for investors that goes something like, “It’s not what you earn, but what you keep, that matters”. This of course relates to expenses like commissions and fees, but it’s primarily about taxes. After all, taxes are one of the few aspects of...
by Springwater Wealth | Jan 17, 2019 | Newsletter
Over the past twenty years, our team of advisors has built literally hundreds of financial plans for our clients. At any given time, we’re in the process of crafting a dozen or more new ones. Many of these plans are for married couples, but a significant number are...
by Springwater Wealth | Jan 15, 2019 | Newsletter
Last week we talked about the role of bonds in your portfolio. We noted that, while bonds generate income and may generate capital gains (when interest rates decrease, the value of a bond will increase), the primary role of bonds in your portfolio is to dampen the...
by Springwater Wealth | Jan 8, 2019 | Newsletter
All of our clients, even the most aggressive investors, own bonds in their portfolios. Why? Because bonds serve a variety of purposes in the construction of a balanced portfolio. They provide income to the investor. The issuer of a bond borrows money from the bond...