Thought Leadership Resource Center
As we step into 2025, it’s an excellent time to revisit and refine your retirement strategy. Staying informed about annual adjustments to retirement account contribution limits and tax thresholds ensures you’re making the most of every opportunity to secure your financial future.
Read MoreThe beginning of a new year can serve as a fresh start with financial resolutions and monetary goals. Here’s a checklist to help ensure your 2025 financial plan stays on track incorporating regulatory changes and updates to your spending, saving, investing and giving in the new year.
Read MoreIt has been two weeks since the national election and many of the inferences of a second Trump presidency are beginning to come into focus. With Republicans about to take control of the White House, the Senate, and the House of Representatives we can expect sweeping changes to many important policies impacting the future trajectory of the economy.
Read MoreWhile federal estate taxes often grab headlines, many overlook the significant impact of state estate taxes. These state-level taxes can substantially reduce the value of inherited assets, affecting the beneficiaries and the decedent’s legacy.
Illinois, where Clearwater Capital Partners is based, is one of 12 states with an estate tax. It is a uniquely difficult tax to avoid and requires careful planning to minimize.
Read MoreAs I wrote in a 2019 post, the potential impact of future taxes is often an important consideration for retirees when choosing to move to another state. Besides moving to an area with a warmer climate or closer to family and friends, the goal of minimizing expenses, including taxes, is often at the top of the priority list.
Read MoreFor close to ten years, tax law rulings surrounding the Qualified Charitable Distribution (QCD) from an Individual Retirement Arrangement (IRA) to a charitable entity have flip-flopped as the tax code has grown and been modified over the years. But in 2015, the Protecting Americans from Tax Hikes (PATH) Act finally made the rules surrounding the QCD permanent, allowing individuals to give charitably while also minimizing income taxes from the Required Minimum Distribution (RMD).
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”). FTSE Russell® is a trading name of FTSE, Russell, FTSE Canada, FTSE FI, FTSE FI Europe, WOFE, RBSL, RL, and BR. “FTSE®” “Russell®”, “FTSE Russell®”, “FTSE4Good®”, “ICB®”, “Refinitiv”, “Beyond Ratings®”, “WMRTM”, “FRTM” and all other trademarks and service marks used herein are trademarks and/or service marks owned or licensed by the applicable member of LSEG or their respective licensors and are owned, or used under license, by FTSE, Russell, FTSE Canada, FTSE FI, FTSE FI Europe, WOFE, RBSL, RL or BR. 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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