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Feeling Lucky?
(WC Content/Blog)
... by a leading financial market research firm showed that the average U.S. equity investor underperformed the S&P 500 over the 20 years ending Dec 31, 2008 by 6.48% per year. If you are wondering why, ...
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The Hidden Source of Returns
(WC Content/Blog)
... in a round-trip gyration which can last anywhere from months to years. Economists have felled whole forests trying to explain the hows and whys of these fluctuations, but most of us instinctively understand ...
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So what’s actually in the new Healthcare Reform bill?
(WC Content/Blog)
... In actuality, the healthcare reforms will unfold slowly. Attached is a white paper from the Financial Planning Association (FPA) that includes a year-by-year timeline detailing the major changes ...
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Why should you care about a “Fiduciary Standard”?
(WC Content/Blog)
... drafted legislation this year which, among other things, would bring every provider of financial advice under a fiduciary standard. Unfortunately a revised version of the financial reform bill, recently ...
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Decent Decade for Indexers
(WC Content/Blog)
A TRIFECTA OF TRUTH TO START THE NEW DECADE It’s not just the end of a year, but the end of a decade so it’s a particularly appropriate time to consider where we are, where we’re going, and what we’ve ...
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Dave O'Rourke
(WC Content/team)
Advisor Dave O'Rourke Dave uses over thirty years of business and investing experience to help clients develop and maintain a holistic financial plan specifically built for their unique situation. ...
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Don't Pay Full Price for College
(WC Content/Blog)
According to the College Board*, tuition at four-year public colleges rose 6.5% this year while private colleges raised tuition 4.4%. So we thought a follow-up on Lynn O’Shaughnessy’s book “The College ...
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Tempted to Look for the Next “hot thing” in the Market?
(WC Content/Blog)
... in recent years. It is no surprise to us that actively managed stock and bond funds have shown a significant rate of non-survival over the past five years (though private equity and hedge funds have melted ...
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Government Intervention and Stock Returns
(WC Content/Blog)
... past and examines the record of stock returns around the world over the last thirty-nine years. The evidence suggests that government intervention is just one factor among many affecting stock returns, ...
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Your Money and Your Brain
(WC Content/Blog)
... for the long-term in the first place (i.e. guess green on every flash) they have historically been rewarded as shown below. The S&P 500 Stock Index has been up 59 out of 83 years or 71% of ...
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Perspectives on Tax-Exempt Bonds and State Budget Woes
(WC Content/Blog)
... there's no provision for states to declare bankruptcy, although local governments have the ability to do so in some states) because they could be shut out of the financial markets for years. "When the ...
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Lost Art of Saving Making a Comeback
(WC Content/Blog)
Some workers are saving for the next three to four years and not counting on investment gains to pay for college tuition, weddings and other expenses, said Bruce *Dzieza, President of Willow Creek Financial ...
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FAQ
(WC Content/general)
... of the check which account the deposit is for. If the deposit is for a retirement account, please indicate the tax year of the deposit. Funds can be wired directly to your TD Ameritrade account from any ...
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Charitable Giving
(WC Content/general)
... over the years, building a lifelong commitment to philanthropy. A charitable remainder trust is another alternative that lets you defer capital gains taxes on highly appreciated assets, such as stocks ...
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Tax Planning
(WC Content/general)
Strategies for Year-Round Tax Planning Tax planning strategies require comprehensive, year-round attention. They cannot wait until April 15 each year. We can work with your tax advisor to find ways to ...
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Nancy Spallino
(WC Content/team)
... Willow Creek receptionist on Fridays. Prior to working for Willow Creek, she managed the Beauty Connection in Santa Rosa for several years and before that was an administrative office assistant at P.C. ...
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In The News
(WC Content/general)
... not just stocks and bonds. The approach has helped the independents boost their assets under management by an annualized 18% over the past 11 years, to $2.1 trillion, while assets handled by full-service ...
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Why Willow Creek?
(WC Content/general)
... year to help you achieve the best after-tax total return We advocate regularly scheduled portfolio reviews and periodic financial planning updates to keep you on track We take our fiduciary role very seriously ...
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Sheryl Harrigan
(WC Content/team)
... the past 20 years, most recently in the health care industry. Originally from Fresno, California, Sheryl moved to Sonoma County in 1987. She obtained her business administration degree at Heald Business ...
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Patti Dedrick
(WC Content/team)
Support Staff Patti Dedrick Administrative Assistant Patti joined Willow Creek Financial in March of 2004. She brings with her over 30 years experience in the Stock Transfer business providing a full spectrum ...