With over 45 years of collective experience in financial planning and investment management Spruce Hill Capital, LLC helps clients to navigate their financial lives with confidence. We work to forge a strong partnership with each client that is personal and long term.
Our outlook and approach is both realistic and innovative. We employ carefully crafted investment methodologies utilizing technical and fundamental strategies to manage risk, preserve capital, and create profitability in today’s uncertain markets.
In times like this you need a steady hand to temper the volativity while remaining flexible with the tools to respond decisively in any market condition. Spruce Hill Capital, LLC provides the expertise to do just that.
Important Tax Numbers For 2013:
Individual Retirement Accounts: $5,500 plus $1,000 if you’re age 50 or over
401K’s – 403B’s – 457’s: $17,500 plus $5,500 if you’re age 50 or over
SIMPLE IRA’s: $12,000 plus $2,500 if you’re age 50 or over
SEP IRA: $51,000
Annual Tax Free Gift: $14,000
Federal Estate Tax Exemption: $5,250,000
UGMA’s vs. 529 Plans
I get questions a lot on putting money in children’s names, mostly for college ed purposes. Lots of confusion…
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The Year So Far:
Risk management is key to our approach. We don’t chase the market on the upside. Rather, our focus is twofold: reduce the downside, get a good portion of the upside. Done successfully we believe that combination will yield better results with a smoother ride in this economic environment. That environment – call it a “credit crisis”, “Great Recession”, “near-depression” whatever – involves deleveraging, i.e. paying off debt. What we have been calling a “balance sheet…click to read more >>