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Roth IRA

Roth IRA

A Roth IRA allows owners to establish tax-free savings for retirement with access to their contributions earlier should they need it. The terms used when describing Roth IRAs are very specific. It is essential to understand which dollars are tax-free and which dollars...

Saving for College

Saving for College

529 Tuition Savings Plans Putting money aside for a child’s future college expenses is one of the most rewarding investments a person can make. When talking with clients about saving for college, one of the more common accounts discussed is state-sponsored 529 tuition...

Avoiding the GameStop Risks: Diversification is Key

Avoiding the GameStop Risks: Diversification is Key

You work hard for your money and work even harder to save it. We believe that a tweet by a CEO or an article on Reddit should not wholly alter your investment account’s direction. But that is the risk you run when you have individual company stocks in your portfolio....

Retirement Stool – Is Three Legs Enough

Retirement Stool – Is Three Legs Enough

The retirement stool is a metaphor that dates to the mid-1930s when Congress and President Franklin D Roosevelt was designing the Social Security Administration. Though the President never used this metaphor publicly when promoting the Social Security Act, he...

Bitcoin & Marijuana

Bitcoin & Marijuana

What do cryptocurrencies and marijuana companies have in common? First, they are among the hottest topics discussed amongst retail traders. The media is fanning the fire, sending company stock prices like Aphria (NASDAQ: APHA) and digital currencies like Bitcoin (BTC...

Stimulus Checks and Taxes

Stimulus Checks and Taxes

Many questions have arisen about the stimulus checks that were sent out to Americans this past year. Most of the stories we hear are of people not receiving a stimulus check or receiving less than the full amount, despite their income being negatively affected by...

Proposition 19 – Reassessing Property Taxes

Proposition 19 – Reassessing Property Taxes

Californians voted for the approval of Proposition 19 this past election, which alters the assessment of property taxes. Before Proposition 19, there was a limit on annual increases on property taxes, which capped at 2 percent unless the property changes ownership or...

Mortgage Interest and Taxes – What You Need to Know

Mortgage Interest and Taxes – What You Need to Know

Purchasing a home is a life-changing moment and should not be taken lightly.  Sacramento, California, has recently been predicted by some to be one of the hottest real estate markets in America come 2021. Although only time will tell if this is true, this is welcome...

Medicare

Medicare

Medicare is a national health insurance program for people age 65 and older, and some younger people that have a disability. The program is funded through payroll taxes and premiums deducted by the government from social security payments. The premium amounts are...

Dollar-Cost Averaging

Dollar-Cost Averaging

Dollar-cost averaging (DCA) is an investment strategy in which the investor systematically deposits funds into an investment account over time rather than investing all available funds at once. You likely are already systematically depositing funds into your 401k, but...

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Our Philosophy

At Twin Rivers, we believe the main duty of a financial advisor is to help people. No matter what your current financial situation is, we will gladly provide you with a custom cash flow analysis. We are confident that our expert analysis will motivate you to make positive changes to your financial situation, and you’ll see how a professional relationship with our team can benefit your life.

Twin Rivers Wealth Management

Whether you are considering a major financial change or planning your future, our team has the experience and tools to formulate a personalized financial plan that works for you. We appreciate you taking the time to view our website and hope to hear from you soon.

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Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Advisory services offered through Twin Rivers Wealth Management, a Registered Investment Advisor.