The idea of retirement - after decades of a stable, predictable routine for your work and personal life - can be both exciting and a bit daunting. After all, you’ll be entering a new phase of life that can be very rewarding. What sort of life do you want in...
Did the SECURE 2.0 Act Change My RMDs? – with Free Offer
Background In December 2022, Congress passed legislation that enhanced the 2019 SECURE Act. The enhancement - referred to by many as SECURE 2.0 Act - was signed by President Biden and enacted immediately. The law includes a number of significant provisions that will...
What are My Options for My Old 401(k)? – with Free Offer
You’re leaving your current job. Maybe you’ve retired, or you’ve taken a new job with another employer. Or maybe your current employer has laid you off. One decision you’ll need to make is what to do with your employer-sponsored retirement account with your former...
Revisiting Retirement Savings with the SECURE 2.0 Act
SECURE 2.0 Act On December 23, 2022, Congress passed legislation enhancing the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019. The 2022 version, referred to as SECURE Act 2.0, was signed by President Biden days later. The plan includes...
Springwater’s Q1 2023 Market Commentary
You can read our market commentary for the first quarter of 2023 here. PLEASE SEE important disclosure information at www.springwaterwealth.com/blog-disclosure/.
Springwater’s Q4 2022 Market Commentary
You can read our market commentary for the fourth quarter of 2022 here. PLEASE SEE important disclosure information at www.springwaterwealth.com/blog-disclosure/.
IRS announces 2023 retirement plan limits
The 2023 retirement plan limits have recently been announced by the IRS. These new limits are effective January 1, 2023. If you’re an employee and a retirement plan participant, be sure to contact your employer as soon as possible if you wish to change your retirement...
New Medicare Premiums for 2023 Announced
Earlier this week, the Centers for Medicare & Medicaid Services released the 2023 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2023 Medicare Part D income-related monthly adjustment amounts (or “IRMAA”). Medicare...
A Long Walk in the Wilderness – Backpacking is like Investing
A friend and I recently completed a four day, 55-mile backpacking trip in the Kalmiopsis Wilderness in southern Oregon. I ‘ve been on many backpacking trips and each one of them has presented challenges. The Kalmiopsis was no exception. The US Congress designated the...
Dividing a Pension in Divorce
What’s a Pension? A pension is a type of retirement plan that provides you with monthly income after you reach retirement age. Your employer contributes money to a pooled account that’s invested for the benefit of its employees, the plan participants. Depending on the...
When Can I Retire?
You probably started thinking about it years ago. What would it be like to do something different with your life? When can you start taking those month-long trips you’ve dreamt of? Which of your hobbies will become your new passion? You’re mentally ready to retire....
Social Security Strategies for Single, Divorced, & Widowed Women
America’s Social Security program provides economic security to millions. The Social Security program provides you with a source of income when you retire, or if you can’t work due to a disability. It can also provide benefits that support your legal dependents in the...
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