Thought Leadership Resource Center
The 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.
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As 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.
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Whether you dream of hosting friends and family at a lake house property or living the snowbird lifestyle of escaping the cold winter months, here are five things you need to know prior to buying a second home.
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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.
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Each 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.
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While 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.
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Equity 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.
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Year-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.
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By 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.
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Deciding on your retirement date can be one of the most important decisions in your lifetime. Here are three steps to take the guesswork out of choosing a date that is right for you and your retirement plan.
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By 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.
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While the red-hot housing market has certainly tempered, we haven’t seen the bubble burst.. yet.
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Investing during down markets takes focus and fortitude. Most investors understand the simplified concept of “buy low and sell high”, but human nature can create doubt and frustration when you don’t see the positive returns you’d like. When looking for investment opportunities during a down market, it’s important to not only look at what and when to buy, but also how. Here are several investment strategies to consider.
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Common sense tells us, “Don’t put all your eggs in one basket”, but times of uncertainty can tempt even the most experienced investors to join the flight for safety. Here’s why a well-diversified portfolio can be the key to survival during market volatility.
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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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