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.
Do You Feel Lucky?
Recent changes in estate tax laws could affect the strategy you have in place.
The Cost of Procrastination
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
Global vs. International: What’s The Difference?
International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks.
Longer, healthier living can put greater stress on retirement assets; the bucket approach may be one answer.
Probate can be a completely public process, or it can be managed to include as little information as possible.
Understanding how a stock works is key to understanding your investments.
Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits.
Understanding some basic concepts may help you assess whether zero-coupon bonds have a place in your portfolio.
Without a solid approach, health care expenses may add up quickly and potentially alter your spending.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
Estimate your monthly and annual income from various IRA types.
Use this calculator to assess the potential benefits of a home mortgage deduction.
Estimate the total cost in today's dollars of various mortgage alternatives.
A presentation about managing money: using it, saving it, and even getting credit.
The importance of life insurance, how it works, and how much coverage you need.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Using smart management to get more of what you want and free up assets to invest.
Learn more about taxes, tax-favored investing, and tax strategies.
There are some key concepts to understand when investing for retirement
What does your home really cost?
How will you weather the ups and downs of the business cycle?
Learn how to harness the power of compound interest for your investments.
Learning more about gold, and its history, may help you answer that question.
Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.
The decision whether to buy or rent a home may have long-term implications.