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...
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...
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....
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...
Springwater's article on dealing with retirement plans in divorce was featured in the Oregon State Bar's Family Law Newsletter for June 2022. You can read the entire article here. PLEASE SEE important disclosure information at...
You can read our market commentary for the second quarter of 2022 here. PLEASE SEE important disclosure information at www.springwaterwealth.com/blog-disclosure/.
You’re contemplating one of the biggest decisions of your life. It will affect where you live, your lifestyle, your relationships, and the very quality of your life. Ironically, it’s the bookend to the decision that preceded it some time ago … the decision to get...
Investing in the markets can be unnerving at times. At the time of this writing, the broader US stock market is in a “bear market” – down at least 20% from its most recent high – and the tech-heavy Nasdaq index is down over 34%. Looking back over time, we can see that...
Each fall, the IRS announces retirement plan limits for the next year. In November 2021, we detailed those 2022 plan limits on our website. As we write this, we’re almost halfway through the year. Here are some tips to take advantage of the 2022 IRS retirement plan...
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 (your...
Getting divorced can be a very emotional and difficult process. It can be stressful, painful and scary, even if you’re the one that decided to divorce. Divorce also has significant financial consequences for both partners. For that reason, it’s critical that you start...
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...
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