The articles on this page are intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. The discussions contained on this page are not a substitute for investment advice from a professional adviser. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. While information presented is believed to be factual and up to date, River Wealth Advisors does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Due to various factors, including but not limited to changing market conditions, this market commentary may no longer be reflective of current opinions or recommendations. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change.
There are four simple truths that will impact every woman’s financial future. Given these truths, it’s hard to understand why more women aren’t actively involved in planning their financial futures. The first step is simple – become more aware, involved and willing to ask questions.
Read MoreSpending index research conducted by Princeton Survey Research Associates revealed that young professionals are spending significantly more than their elders in four of the six categories examined in the survey. The survey confirmed that many adults in the 22 to 37 age group were falling victim to common daily spending vices that can lead to larger financial struggles.
Read MoreHere at River Wealth Advisors, we love what we do. Our work provides us with daily opportunities to help clients clear away the uncertainty involved with financial decisions and move forward in their lives with confidence. Much of our work is focused on the development of portfolio objectives and the oversight of investment strategy, helping clients marry their goals and objectives with their resources. Portfolio management and planning are critically important components of our day, but our job does not end there.
Read MoreA recent survey of women and married couples revealed that the vast majority of women are still abdicating their participation in financial decision making. The interviews, with investors who had at least a quarter of a million dollars in assets, shed some light on how women perceived their roles when it comes to family finances.
Read MoreAs people begin to accumulate wealth, they may find themselves needing financial advice to help grow their portfolio. After you have been working for years and perhaps have more than $250,000, seeking advice on a financial strategy may be beneficial.
Read MoreOne question we often get at River Wealth Advisors from our clients is how they can help their adult children jump-start their retirement savings. The answer that applies to everyone is “get started now”; no matter how small, your savings will add up over time. Don’t underestimate the power of compounding returns.
Read MoreParticipating in a company-sponsored retirement plan is a smart move when planning for your retirement, but simply signing up is not enough to ensure that you will be able to retire comfortably when the time comes.
Read MoreA generation ago, a much smaller number of American high school students planned on attending college in the future. Today, nearly 70% of high school graduates are enrolling in college. The increase in the number of students attending college, along with skyrocketing tuition costs, has left many families financially unprepared for higher education.
Read MoreMost investors realize that bonds should be included in their portfolio to help diversify their investments. Unfortunately, that is often the extent of their understanding of how bonds function and the role they play in a well-diversified portfolio. This overview on bonds will help explain the basics.
Read MoreWe have all read numerous investment articles lately that talked about the advantages of being “balanced.” Now that so many folks finally see the light, they are faced with deciding whether now is the right time for bonds; what type of bonds they should add to their portfolios; and if they do buy bonds, how do they go about it?
Read MoreTaking advantage of QCDs over the years has been a bit of a roller coaster ride for taxpayers because Congress would repeatedly repeal and then later reinstate the provision. To resolve this dilemma and encourage charitable giving, President Obama signed legislation in 2015 that made QCDs permanent.
Read MoreIn bond investing, interest rate risk is often the risk individual Investors either overlook or underestimate. Interest rate risk, simply put, is the risk that market interest rates will change in a way that has a negative impact on a portfolio’s value, or the Investor’s ability to reinvest portfolio cash flow at an attractive yield.
Read MoreMajor life changes, like retirement or landing a new job can be a big adjustment. Not to mention all the financial considerations that must be managed during these transitions. One major financial decision is whether or not to rollover your employer-sponsored retirement plan. If you decide to rollover your existing plan, there are things you should consider.
Read MoreMost post retirement costs can be accurately predicted, but some retirees get tripped up by unexpected healthcare costs. Understanding which healthcare costs will be covered by Medicare and what will have to be paid out-of-pocket can make the difference between a secure retirement and one fraught with financial woes.
Read MoreDepending on your relationship with the companies, the announcement of a corporate merger or acquisition can have a number of implications. In every corporate merger or acquisition there are both beneficial and detrimental implications for key stakeholders.
Read MoreIs all debt bad? There is both good debt and bad debt and to remain financially healthy, you need to understand and manage the two. It’s virtually impossible in today’s economy to not have debt. To make the distinction between good debt and bad debt you have to know the difference between a “want” and a “need.”
Read MoreNarrowly defined, investing is a process by which individuals and institutions endeavor to make gains on the money they have saved. The basic purpose of investing is to make money with money, while taking as little risk as possible. There are many reasons, beyond the basics, for holding an investment portfolio.
Read MoreDepending on your tax bracket and the type of gains realized, the IRS can chew up to 43.8% of it in taxes.Simply put, tax efficiency is a measure of how much of an investment’s return is left over after taxes are paid. Tax efficiency shouldn’t become so much of the focus that it degrades your portfolio performance; rather it should help preserve gains as much as possible.
Read MoreBonds are an important part of a well diversified investment portfolio. They are widely viewed as a safe, low risk component for investment allocations, with an aim of preserving capital and generating income. Bonds function like loans. Investors provide money for a period of time to finance projects. When the bond matures, the principal is returned, and interest is paid along the way.
Read MoreIt’s only natural that investors are keenly focused on the returns of their portfolio. Everyone wants to know how they’re doing, and how much their portfolio is appreciating. Before the days of 24-hour news, smart phone apps and websites providing minute-by-minute market news, investors were satisfied seeing positive long-term returns.
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