With the Federal Reserve planning to continue gradually increasing short-term interest rates, investors should be familiar with the concept of "duration" for fixed income investments. Most investors will understand that a bond's "maturity" measures how long a fixed...
Blog
A tax-efficient way to donate to charity
Owners of individual retirement accounts who are at least age 70 1/2 can contribute some or all of their IRAs directly to charity. The motivation to do so is that it can be advantageous from a tax perspective in some cases. If you have a traditional IRA, you must...
Ladies and Gentlemen – Please Fasten Your Seatbelts
"LADIES AND GENTLEMEN - PLEASE FASTEN YOUR SEATBELTS" If you have every flown with a commercial airline, you have undoubtedly heard these words. This message is broadcast whenever the plane has encountered turbulence and there is resulting concern about the safety of...
How to receive tax-free income
Under current tax law, dividend and capital gain income for couples with income of $100,000 or less can be tax-free. The income must come from qualified dividends and long-term capital gain. Qualified Dividends: Although dividends can be received from both US and...
You can now use a 529 Plan to pay for private school
The tax reform legislation signed into law on December 22, 2017, brings several important enhancements to 529 college savings plans. Beginning on January 1, 2018, account owners may take tax-free withdrawals up to $10,000 annually from their accounts for tuition...
What are ETFs and should I invest with them?
One of our clients recently asked us if he was invested in the best exchange-traded funds. He readily accepts our investment management philosophy. He understands the importance of asset allocation, diversification, asset location (for tax efficiency), cost...
How does the new tax law affect families with children?
Through 2017, taxpayers with children were entitled to an exemption of $4,050 for themselves and each of their children. Taxpayers were also entitled to a Child Tax Credit of $1,000 per child under the age of 17. The Child Credit was phased out for single payers with...
Springwater’s Q4 2017 Market Commentary
Click here to read our fourth quarter market commentary.
The impact of the new tax law on divorce and alimony
Congress passed the “Tax Cuts and Jobs Act” in late 2017. The legislation can be found on the House Ways and Means website. The Act changes the tax treatment of spousal support (or "alimony") payments in one important way. Under the new rules, alimony is no longer...
The Tax Cuts and Jobs Act of 2017 – A Brief Review
Congress passed the “Tax Cuts and Jobs Act” last week. The President signed the legislation on Friday, December 22, 2017. The legislation can be found on the House Ways and Means website. Here is a brief review of the changes that will affect individual taxpayers:...
Springwater featured in the Oregon State Bar’s Family Law Newsletter
Springwater's article on "Financial Mistakes Divorcees Make" was published in the Winter 2017 edition of the Oregon State Bar's Family Law Newsletter. You can read the article, and the newsletter, here (PDF opens in new window). PLEASE SEE important disclosure...
Investing, Uncertainty, Risk and Staying in Your Seat
“The market hates uncertainty” has been a common enough saying in recent years, but how logical is it? There are many different aspects to uncertainty, some that can be measured and some that cannot. Uncertainty is an unchangeable condition of existence. As...
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