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 MoreStarting in 2025, the SECURE 2.0 Act introduces a super catch-up contribution for individuals aged 60-63, allowing higher 401(k) contributions than the standard limit for those over 50. Those in the 60-63 age group will have a catch-up amount equal to the greater of $10k or 150% of the standard catch-up limit.
Read MoreAt year’s end, advisors often receive questions about how to maximize and finalize retirement contributions. Below is a straightforward guide to help navigate year-end contributions, along with key rules to keep in mind.
Read MoreAs parents age, it’s common to be concerned about their ability to manage their finances, especially when faced with cognitive decline or other medical concerns. Here are some tips for talking to aging parents about their finances and how to step in with assistance.
Read MoreIt is a challenging situation when the realization hits - be it for you or a loved one – that perhaps it is no longer a feasible option to continue in the current living situation. If and when this time comes, considering some of the senior living options that are available and what might be best, can be challenging.
Read More“Good things come to those who wait.” “Time is money.” “Patience is a virtue.” All famous adages that you probably didn’t ever associate with one of the main discussion points of retirement, Social Security.
Read MoreWhen it comes to planning for retirement, the length of the planning horizon (i.e., life expectancy) stands apart from the many other assumptions required in the modeling process. Life expectancy is defined as the average number of years a person can expect to live at a given age. The specific issue for planning is something called longevity risk, or the possibility an individual will live to such an advanced age that they will deplete their retirement savings and be forced to rely solely on Social Security and Medicare for their expenses.
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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