by Springwater Wealth | Jun 8, 2021 | Financial Planning, Investment Management, Retirement Concerns, Wealth Management
For all but the wealthiest retirees, ensuring that your savings and investments will last long enough is important. So determining whether you’ll be able to maintain your desired lifestyle and level of spending is essential to a secure, comfortable retirement. Let’s...
by Springwater Wealth | Jun 4, 2021 | Financial Planning, Retirement Concerns, Wealth Management
When someone mentions the word “annuity” to you, what are your immediate thoughts? Expensive? Complicated? A bad investment? Illiquid? If so, you’re not alone. Many retirees have negative perceptions of annuities. We’d like to set the record straight, but not because...
by Springwater Wealth | May 26, 2021 | Investment Management, Retirement Concerns, Wealth Management
What does investment risk mean to you, either for an individual security like a stock, a bond or a mutual fund, or for your entire portfolio? Measuring Investment Risk If you’re like most people, you’ll probably refer to the investment or portfolio’s standard...
by Springwater Wealth | May 21, 2021 | Estate Planning, Financial Planning, Retirement Concerns, Wealth Management
Any experienced mountaineer will tell you that the most dangerous part of a climb is the descent. More serious accidents and fatalities happen when climbers are descending than when they are climbing upward. There are lots of reasons for this. Climbing can be very...
by Springwater Wealth | May 11, 2021 | Financial Planning, Retirement Concerns, Retirement Plans, Wealth Management
If you’re retired and have health insurance through the Affordable Care Act (ACA) or Medicare, your premiums are directly related to your Modified Adjusted Gross Income (or “MAGI”). The higher your income, the higher your premiums. Unless you prepare your own tax...
by Springwater Wealth | May 4, 2021 | Financial Planning, Retirement Concerns, Taxes, Wealth Management
Most of us think that saving is the most demanding part of planning and preparing for retirement. It takes discipline, persistence and commitment to accumulate enough resources to fund a 30+ year retirement. But, even after you’ve accumulated those resources, there...
