Your 40s are the perfect storm. A bunch of decisions come together all at once and you’ll have to navigate it the best you can. By now you probably have a well-established career. Home remodels and home repairs creep up on you or maybe you’re looking to buy a new home. Your parents are aging and […]
Introduction Like most Americans you might have found yourself in a substantial amount of debt. In fact, the household debt in the U.S. reached a record 16.9 TRILLION dollars in 2022. While your debt might seem like an unscalable mountain in the distance, having the proper plan will make it closer to a walking in […]
Introduction Capital gains tax can be a confusing and costly issue for most Americans. It is easy to misunderstand your full tax liability and a lot of us over or under pay your taxes. Knowing the ins and outs of dealing with capital gains can save you time and money. How Tax Brackets Work Before […]
Have you ever thought about selling your rental and reinvesting the proceeds in another property? If so, you may be able to avoid paying capital gains taxes on the sale of your original property by completing a 1031 exchange. Named after section 1031 of the US Tax Code, this strategy is commonly used by investors […]
Introduction Hey, future retirees! Are you feeling a bit nervous about actually using those hard-earned savings? We know it can be stressful, but guess what? With the right retirement withdrawal strategy, you can make that money last longer than you ever thought possible. It's all about learning how to tap into your assets in the […]
Introduction When it comes to planning for long-term care, there are a lot of things to consider: Long term care (LTC) insurance is designed to help pay for expenses associated with long-term care services, such as nursing home care, in-home support, assisted living, or adult daycare. The first step is figuring out the cost and […]
If you're like most people, you dream of retiring as early as possible. But what if you need to access some of your retirement funds before age 59½? Is that even possible? The answer is yes, it is possible—but there are a few things you need to know in order to do so. In this […]
Deciding when to start social security is one of the most important retirement planning decisions you'll make. There are a number of factors to consider, and the decision can have a significant impact on your financial security in retirement. This article outlines the key things to think about when making your decision. When should I […]
White Cloud Wealth Management is a financial planner that always puts your goals and needs first. Our team works to create a customized plan to guide you to retirement for yourself or business.
White Cloud Wealth Management is an affiliate advisor of Clear Creek Financial Management. Clear Creek Financial Management, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Clear Creek Financial Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Clear Creek Financial Management, LLC unless a client service agreement is in place.
