Stay disciplined in volatile markets by focusing on long-term goals, not emotions. Maintain diversification and liquidity, avoid panic selling, and use downturns as opportunities to invest in quality assets—because successful investing depends as much on mindset as strategy.
Read More
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 More
Spending 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 More
A 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 More
As 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 More
One 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 More
Participating 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 More
A 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 More
Most 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 More
We 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 More
Taking 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 More
In 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 More