Waterman And Associates Inc.

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We are a Purpose Driven company with the call to keep alive:

                 • The visions of families

                 • The aspirations of small business owners

                 • The grace and independence of seniors

For us, it isn't just a job...it's a calling ­— a cause.


This is work that inspires greatness and changes the world. Together we have the power to help this diverse nation pursue peace in the home, community, state, nation and world.

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Phone:

Office: 503-524-6974 Fax: 503-922-0515

Articles

75% of Americans agree they would benefit from having basic financial education and information.

Source: The 2016 Consumer Financial Literacy Survey, The National Foundation for Credit Counseling

Welcome to our research center! We've put together a library of information on important financial topics that we believe you'll find helpful.

Simply click on one of the general financial topics below and you'll find a selection of easy-to-understand information sheets about related financial concepts and strategies. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.

Estates & Trusts

  • Charitable Lead Trusts

    Charitable lead trusts are designed for people who would like to benefit a charity now rather than later.

  • Charitable Remainder Trusts

    A designated income beneficiary could receive payment of a specified amount from a charitable remainder trust.

Retirement

  • Why Purchase Annuities

    Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.

  • How Much Do I Need to Save?

    Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.

Tax Planning

  • Capital Gain Tax

    Capital gains are profits realized from the sale of assets; a tax is triggered only when an asset is sold, not held.

  • Charitable Trust Tax Benefits

    For the grantor, there are a few potential tax benefits that can come with setting up a charitable trust.

Investing

  • Annuity Taxes

    One attractive feature of an annuity is tax-deferral but qualified and non-qualified annuities are taxed differently.

  • Investment Risks

    Understanding different types of investment risk can help investors manage their money more effectively.

Cash Management

  • Money Market Funds

    Money market funds can be a highly liquid and effective cash management tool.

  • Home Equity Loans

    Shifting some debt to a home equity loan, which typically allows interest payments to be tax deductible, could have its advantages.

Risk Management

  • Why Purchase Life Insurance

    If you have a family who relies on your income, it is important to have life insurance protection.

  • Whole Life Insurance

    Some of the pros and cons of whole life insurance.

  • Variable Life Insurance

    Variable life insurance gives you the control to allocate your account value among a variety of investment options.

  • Insuring Your Future

    To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

  • Types of Health Coverage

    There are three basic types of medical insurance plans: fee-for-service, managed care, and high-deductible health plan.

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Check the background of this financial professional on FINRA's BrokerCheck