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  • Contact Us
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Why is My Portfolio’s Asset Allocation so Important?

Posted on February 12, 2019

Smart investors recognize the importance of owning investments that don’t move in lock-step with each other, but rather perform differently over time. Why? Because over time, we expect the stock market to increase in value, albeit with short-term, occasionally severe, fluctuations. So, ideally, we would like to own an investment that increases in value when […]

Filed Under: Newsletter // Tagged: asset allocation, diversification, investing, investment management, personal finances, wealth management

Should I Invest in Individual Bonds or Bond Funds?

Posted on January 15, 2019

Last week we talked about the role of bonds in your portfolio. We noted that, while bonds generate income and may generate capital gains (when interest rates decrease, the value of a bond will increase), the primary role of bonds in your portfolio is to dampen the portfolio’s volatility (i.e. reduce the variability of its […]

Filed Under: Newsletter // Tagged: asset allocation, bonds, diversification, ETFs, mutual funds

Happy New Year, from the Flight Deck

Posted on January 1, 2019

Happy New Year, Ladies and Gentlemen. This is your flight crew speaking again. We hope you enjoyed the holidays. You undoubtedly noticed the turbulence in December. While we were not surprised by it, we understand that it was not a pleasant experience for you. Some pretty amazing things happened last year, and in particular last […]

Filed Under: Newsletter // Tagged: asset allocation, diversification, financial planning, investing, personal finances, retirement

The Pull Back

Posted on October 16, 2018

Well, that was a bit unnerving. Last week the stock market took a pretty good dive and investors were shaken alert. The drop, as measured by the Dow Jones Industrial Average, was about 1,300 points or 5%. That qualifies as an official “pull back.” The market quickly stabilized and closed Friday with a modest gain. […]

Filed Under: Newsletter // Tagged: asset allocation, diversification, investing, investment management, wealth management

A Bear Lurks Ahead

Posted on August 28, 2018

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, when the S&P 500 index closed at another all-time high […]

Filed Under: Newsletter // Tagged: diversification, investing, investment management, U.S., wealth management

C.R.A.D.L.E. your investments

Posted on July 10, 2018

Since second quarter performance results were made available last week, we’ve received a few inquiries from clients asking about investment returns. Some have been surprised at the returns since the beginning of the year. These inquiries provide an opportunity to review Springwater’s investment management philosophy. At Springwater, we have been students of investing for several […]

Filed Under: Newsletter // Tagged: asset allocation, diversification, ETFs, investing, investment management, mutual funds, personal finances, taxes

Floating Rate Bonds and Rising Interest Rates

Posted on May 22, 2018

A few weeks ago, we discussed interest rates, the 10-Year Treasury Notes and short-term bonds. We briefly mentioned floating rate bonds, a subject to which we return today. To review, in a rising interest rate environment, bonds will lose value. Why? Investors want the best yield possible. If interest rates are rising, investors interested in […]

Filed Under: Newsletter // Tagged: asset allocation, bonds, diversification, investing, investment management, wealth management

Be Careful with Your Company’s Stock

Posted on May 1, 2018

Imagine that someone has worked for forty years for a company, and is retiring with a pension and shares of stock in that company. If you are among the majority of Americans who do not have a company pension, you might find this scenario rather appealing. But, if that employer were 125-year old General Electric, […]

Filed Under: Newsletter // Tagged: asset allocation, company stock, diversification, ESPP, investing, personal finances, retirement

Investing, Uncertainty, Risk and Staying in Your Seat

Posted on December 19, 2017

“The market hates uncertainty” has been a common enough saying in recent years, but how logical is it? There are many different aspects to uncertainty, some that can be measured and some that cannot. Uncertainty is an unchangeable condition of existence. As individuals, we can feel more or less uncertain, but that is a distinctly […]

Filed Under: Newsletter // Tagged: asset allocation, DFA, Dimensional Fund Advisors, diversification, investing, investment management, personal finances, wealth management

What is “Home Country Bias” in investing?

Posted on December 6, 2017

Every day we enjoy the benefits of an interconnected world. We might start our day with a cup of coffee that originated in South America, check our email on a smartphone designed in California and manufactured in Taiwan, then shower and change into clothes woven from Egyptian fabrics before driving a German-made car or riding […]

Filed Under: Newsletter // Tagged: asset allocation, DFA, Dimensional Fund Advisors, diversification, emerging markets, investing, investment management, mutual funds, wealth management

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OUR LOCATIONS

Our Portland office is conveniently located off the SW Denney Road exit from Highway 217.

6600 SW 105th Avenue, Suite 155
Beaverton, OR 97008

Our Bay Area office is located in downtown Santa Cruz.

615 Water Street
Santa Cruz, CA 95060

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