Thought Leadership Resource Center
Sending your son or daughter off to college is an exciting milestone! Here’s a checklist of important topics to cover with your college students to ensure your family is prepared for this significant back-to-school transition.
Read MoreEach year, we dedicate the 2nd Sunday of May to honor the moms in our lives. Often described as providers, supporters, and caregivers, mothers face unique financial circumstances that can have significant consequences to their financial well-being. In this article, you’ll find a list of financial planning strategies designed for all stages of motherhood.
Read MoreWhile providing financial support to adult children can be a gesture of love, it can also present challenges for both the parents and the children. Here are some strategies and considerations to help strike the balance between setting boundaries and offering monetary assistance.
Read MoreEquity compensation makes up almost one third of employees’ net worth, 32% on average[i]. Different than cash compensation (i.e, salary, bonus, and commission), some forms of equity compensation are not taxed as earned income. Understanding how your company’s equity compensation plan works is critical to interpreting the advantages and disadvantages of exercising your right to purchase, accumulate and sell your equity shares.
Read MoreYear-end marks several critical financial deadlines and cut-offs you can’t afford to miss. Here’s a year-end financial checklist to help you maximize savings, minimize taxes, and ensure your financial goals are on track.
Read MoreIn the ever-evolving landscape of wealth management services, ensuring that our clients have easy access to their financial documents and sensitive information is paramount. That's where the Clearwater Capital Portal’s secure digital vault comes into play. Integrated into your client portal, this digital vault offers clients a streamlined way to manage and safeguard your important documents. Here's how clients can utilize it and why they should seriously consider doing so.
Read MoreBy 2030, women will likely be in control of $30 Trillion (with a T) according to a recent McKinsey study1. To put this in perspective, the US GDP hit $26.84 Trillion at the end of the 2nd quarter of 2023 (US Bureau of Economic Analysis).
To prepare for this transfer of wealth, it’s critical every woman has a financial plan in place that incorporates these five components.
Read MoreWith the kids going back to school, many parents are coming down from the summer fun and realizing they are one year closer to paying for college.
Read MoreFirst, it must be recognized that there is no way to truly be prepared for the death of a spouse or partner. In addition to the emotional toll, the financial decisions about what to do when our loved one dies can be overwhelming.
Read MoreMany have sought to put a monetary value on the benefit of an advisor, but it is difficult to pin down quantitatively due to the essential uniqueness of each client-advisor relationship. There are many components to creating a cohesive, clear, and personalized financial plan to grow and adapt to the many different stages of life. A few of the many forms of strategic advising include tax planning, estate planning, business succession planning, charitable and philanthropic planning, and investment management. The overarching goal of these various components is to make wealth complement an individual's lifestyle and discover what a meaningful use of wealth means for each client.
Read MoreThe rules surrounding Required Minimum Distributions (RMDs) from inherited retirement accounts have always been complex. After the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 enacted sweeping changes, the rules were made all the more complicated. One of the most impactful changes was the elimination of the “stretch” provision for inheritances which allowed most beneficiaries to take small amounts out of the account(s) annually based on their own life expectancy. Under the new rules, many inheritances that occur after January 1, 2020 will be subject to a new 10-year rule.
Read MoreBy 2045, it’s estimated that US households will transfer $84 Trillion in wealth. Take steps now to preserve the assets you’ve worked hard to acquire and ensure your family is equipped to build on a foundation of financial stability.
Read MoreBeing chosen as the executor of an estate can be both an honor and a major obligation depending on the complexity of the estate and a number of issues that may arise along the way. For this reason, a potential executor should make sure he or she knows what is involved before accepting this responsibility.
Read MoreCreating and maintaining an updated estate plan is among the most important gifts you can provide for your family and those who you care most about in life. However, many find addressing the sensitive questions involved with legacy planning to be uncomfortable and, because of that, they may delay organizing the proper estate-related documents until it is too late.
Read MoreEthereum is the second largest crypto investment by theoretical value ($156.23B), second only to Bitcoin ($367.35B). Ethereum has been in the news recently as it has undergone a massive update (the Merge) that has Ethereum investors and supporters excited for the future. In order to understand the Impact these updates will have, let’s first look at what Ethereum is, and how it operates.
Read MoreInflation Reduction Act Summary
If you have been following the political news lately, I am sure you have heard of the Inflation Reduction Act. Often it is difficult to get away from the sound bites meant to stir controversy and determine what is in new legislation, and how to respond accordingly. In this thought leadership piece, we have sought to distil down the main points of the new act into a concise summary and call out where action may be appropriate.
Read MoreWhile the red-hot housing market has certainly tempered, we haven’t seen the bubble burst.. yet.
Read MoreSimilar to organizing an annual appointment with your doctor to ensure that you are physically healthy, a regular financial health check-up will help ensure that your financial health is strong.
The benefits of completing a “financial health check-up” are numerous, the most important is determining whether you are well positioned to meet both your short and long-term financial goals. Other important areas to review on a consistent basis include your ability to cover your ongoing cash flow needs and how to protect you and your family financially in case of an emergency.
Read MoreInflation is a monetary phenomenon and in the short term can be affected by supply/demand dynamics. The Investment Policy Committee of Clearwater Capital has written extensively about the dramatic rise in the M-2 Money Supply over the last two years emanating from fiscal spending which ‘flooded the world with cash’ following the COVID shutdown of the economy.
Read More‘Tis the season for giving and a familiar conversation we have with clients involves year-end charitable gifting strategies using appreciated assets. The tax code allows for favorable treatment of appreciated securities, however, there are a few details one must get right to increase the impact of a gift while also maximizing the gift’s tax efficiency.
Read MoreDisclosures:
THIS COMMENTARY HAS BEEN PREPARED BY CLEARWATER CAPITAL PARTNERS. THE OPINIONS VOICED IN THIS MATERIAL ARE FOR GENERAL INFORMATION ONLY AND ARE NOT INTENDED TO PROVIDE OR BE CONSTRUED AS PROVIDING LEGAL, ACCOUNTING, OR SPECIFIC INVESTMENT ADVICE OR RECOMMENDATIONS FOR ANY INDIVIDUAL. ALL ECONOMIC DATA IS DERIVED FROM PUBLIC SOURCES BELIEVED TO BE RELIABLE. TO DETERMINE WHICH INVESTMENTS MAY BE APPROPRIATE FOR YOU, PLEASE CONSULT WITH US PRIOR TO INVESTING. INVESTING INVOLVES RISK WHICH MAY INCLUDE LOSS OF PRINCIPAL. This material is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities, insurance products, or to adopt any investment strategy. The opinions expressed are as of the date of writing and may change as subsequent conditions vary. The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by Clearwater Capital Partners to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. Past performance is no guarantee of future results. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. Investment involves risks. International investing involves additional risks, including risks related to foreign currency, limited liquidity, less government regulation and the possibility of substantial volatility due to adverse political, economic or other developments. Index performance is shown for illustrative purposes only. You cannot invest directly in an index. S&P 500 is a registered trademark of Standard & Poor’s Financial Services, a division of S&P Global (“S&P”) DOW JONES, DJ, DJIA and DOW JONES INDUSTRIAL AVERAGE are registered trademarks of Dow Jones Trademark Holdings (“Dow Jones”). The two main risks related to fixed-income investing are interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments.
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