Our Commitment to You
At Spruce Hill Capital, we have a commitment to excellence in everything we do, and we strive to provide impeccable client service. We want to help you work towards achieving your financial goals and to provide you with a “worry free” financial life. We consider it an honor and a privilege to help our clients make sound financial decisions that will contribute towards a secure future.
Please feel free to explore this site to gain a better understanding of our firm and how we help our clients plan for and meet their financial goals. We appreciate your visit.
How the Federal Reserve Works
Each day, the Fed is behind the scenes supporting the economy and providing services to the U.S. financial system.
Best Performing Asset Classes
Bonds may outperform stocks one year only to have stocks rebound the next.
Planning for the Expected
You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health.
Taking regular, periodic withdrawals during retirement can be quite problematic.
Calculating your potential Social Security benefit is a three-step process.
It may help your business be better prepared in the event of the death of a principal or key employee.
Retirement income may come from a variety of sources. Here's an overview of the six main sources.
Planning for a special-needs child can be complicated, confusing, and even overwhelming.
How to help determine life insurance needs to provide for your family after you pass away.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
This calculator demonstrates the power of compound interest.
Estimate how much you have the potential to earn during your working years.
Use this calculator to better see the potential impact of compound interest on an asset.
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
Estimate how much income may be needed at retirement to maintain your standard of living.
There are some key concepts to understand when investing for retirement
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The chances of needing long-term care, its cost, and strategies for covering that cost.
There are some smart strategies that may help you pursue your investment objectives
The importance of life insurance, how it works, and how much coverage you need.
How federal estate taxes work, plus estate management documents and tactics.
Recent changes in estate tax laws could affect the strategy you have in place.
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.
When do you need a will? The answer is easy: right now.
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate.
Smart investors take the time to separate emotion from fact.
Understanding the cycle of investing may help you avoid easy pitfalls.