A Bear Lurks Ahead

If you have ever gone hiking or backpacking in a remote wilderness, the thought probably wasn’t far from your mind. An encounter with one might be exciting, but possibly dangerous or even deadly. A bear. The US stock market reached another major milestone on Friday,...

Fund Expenses Hit Zero

We have been waiting the major investment management companies to announce this for a few years now. The fees these companies charge investors to their manage mutual funds and exchange-traded funds have been declining for some time. Investment management companies...

Revisiting the Alphabet

Summer is beginning to wind down and kids will be returning to school over the next several weeks. It’s probably a good time for those of us no longer in school to review the alphabet. However, we will do so in the context of investing. We will start at the beginning...

Financial Planning – Springwater’s Role

For most of our clients, Springwater has developed a comprehensive financial plan. The plans address the core areas of financial planning: budgeting and cash flow management, risk management (i.e. insurance), tax planning, estate planning, retirement planning and...