According to a recent study by Financial Finesse, a provider of workplace financial wellness programs, women are approaching their finances more proactively and using financial wellness programs at work more often and more regularly than men. However, there is still a...
Blog
Understanding where your financial advisor’s loyalties lie
Most investors are not aware that brokers are not necessarily required to act in their customers’ best interest, even if they are advising on their retirement money. While that would seem to be a basic consumer protection, in Washington and on Wall Street it has...
Building your own pension with a deferred-income annuity
Fewer and fewer American workers can still look forward to the income security in retirement that a defined benefit pension provides. The big insurance companies are aware of this, and so many of them are now offering products that allow investors to build their own...
Watch the fees on your mutual funds
"Low cost is the single best predictor of subsequent performance [for mutual funds] ... it's definitely not past performance.", according to the director of fund research at Morningstar. Do you know what the expense ratios are for the funds in which you're invested?...
An aging population means an increasing need for long-term care
The Associated Press recently published more sobering news about the impact that an aging population will have on the need for long-term care. Government figures show that about 70% of Americans will need some form of long-term care after they reach age 65, yet only...
The potential benefits of participating in a Roth 401(k)
Although Roth 401(k) accounts have been around for nearly a decade, relatively few employer-sponsored retirement plans offer them as an option, and even fewer plan participants actually take advantage of them when they're offered. The Bloomberg personal finance blog...
New video on principles of investing
We're pleased to have added a new video to our Springwater Wealth website. This video introduces the four investment principles that form the foundation for our investment philosophy, and our approach to building portfolios for our clients. You can watch the video on...
New video on proper portfolio diversification
We're pleased to have added a new video to our Springwater Wealth website. This video introduces the conceptual underpinnings of proper portfolio diversification, discusses its benefits, and explains how to implement it. You can watch the video on our Videos page...
One index fund does not a diversified portfolio make
Many investors mistakenly assume that buying an index fund or exchange-traded fund that tracks a major benchmark, like the S&P 500 index or the NASDAQ, will provide them with adequate diversification. What they fail to recognize is that these funds or ETFs typically...
Studying the consequences of taking a 401(k) loan
In a new paper titled, “Borrowing from the Future: 401(k) Plan Loans and Loan Defaults,” Olivia S. Mitchell, Wharton professor of business economics and public policy, analyzes the loans people take from their 401(k) plans, why they take these loans and what happens...
When divorcing, be careful how you divide the assets
When it comes to negotiating a divorce, many couples - or their advisors or attorneys - pay little or no attention to retirement and investment accounts, assuming that they can simply be split in two. However, that's often a mistake, and a potentially very expensive...
How 401(k) plans have failed American investors
In a draft working paper entitled "The Separation of Intelligence and Control: The Retirement Savings Crisis and the Limits of Soft Paternalism", Jacob Hale Russell, an academic fellow at the Rock Center for Corporate Governance at Stanford Law School, argues that the...
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