At Springwater, we believe that the best strategy for generating superior long-term investment results is to focus on setting the appropriate asset allocation (or mix of categories of investments, like large cap stocks, small cap value stocks, real estate, bonds, etc)...
Conventional wisdom says that Roth IRA and Roth 401(k) accounts make the most sense for younger investors, because they have the greatest likelihood of facing higher tax rates in retirement. As a result, they're thought to be better off paying taxes now (since...
FINRA, the self-regulatory organization for the brokerage industry in the US, has recently announced that variable annuities - insurance/investment products that are often complex and expensive - are to come under increased scrutiny. According to FINRA's chief risk...
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...
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...
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...
"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?...
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...
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...
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...
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...
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...
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