Riverwater Partners | Responsible Investing | Milwaukee | Wealth Management

The Overlooked Asset: Transforming Your HSA into a Strategic Retirement and Estate Planning Tool

Wealth Management

Beyond the Basics: The Unmatched Power of Triple-Tax Exemption The HSA stands alone in the Internal Revenue Code. It is the only account that offers a true triple-tax advantage: Tax-Deductible Contributions: Contributions reduce your current-year adjusted gross income (AGI). Tax-Free Growth: All investment growth—dividends, interest, and capital gains—compounds entirely free from tax. Tax-Free Withdrawals: Distributions…

Riverwater Partners | Responsible Investing | Milwaukee | Wealth Management

Q3 2025 Wealth Management Update: Navigating Politics, Policy & Portfolios

Wealth Management

Navigating Politics, Policy & Portfolios (October 15, 2025). As we close another quarter, we wanted to share our perspective on the markets, the economy, and most importantly, how we’re positioning portfolios to thrive in the months ahead. Politics vs. Policy: What Actually Matters for Long-Term Investors The recent government shutdown reminds us that Washington doesn’t…

Riverwater Partners | Responsible Investing | Milwaukee | Wealth Management

Q2 2025 Wealth Management Update: Staying Grounded

Wealth Management

US Consumers and Valuation Gaps: Can the US Consumer Keep Carrying the Market? (July 15, 2025). The second quarter reminded us why staying grounded matters in investing. While markets celebrated new highs—with the S&P 500 breaking through 6,200—the foundations supporting this rally deserve closer examination. The quarter’s volatility, from April’s sharp selloff on tariff fears…

Riverwater Partners | Responsible Investing | Milwaukee | Wealth Management

From Burden to Confidence

Trustee Services, Wealth Management

How Trustees Can Fulfill Their Duty of Care While Protecting Themselves Being named a trustee is an honor—but it also places you in a complex role, especially if you are not experienced in this area. As a trustee, you are responsible for stewarding someone’s financial legacy while balancing family dynamics, legal obligations, and investment decisions.…

Meaningful Wealth: A Conversation with Brian Gigl, Director of Wealth Management at Riverwater Partners

Trustee Services, Wealth Management

At Riverwater Partners, we believe that smart investments can drive meaningful change—not just in the world, but in the lives of our clients. To bring that philosophy to life, we sat down with Brian Gigl, Director of Wealth Management, to hear about his journey, his approach to financial advising, and his perspective on guiding families…

Riverwater Partners | Responsible Investing | Milwaukee | Wealth Management

Tax-Efficient Investment Strategies for the 2025 Landscape

Wealth Management

Tax-Efficient Investment Strategies for the 2025 Landscape In today’s complex financial environment, investing wisely isn’t just about selecting the right assets—it’s also about understanding how taxation affects your returns. As we navigate 2025, several key tax-efficient considerations and strategies can help investors maximize their after-tax returns while staying compliant with current regulations. How Tax Efficiency…

Riverwater Partners | Responsible Investing | Milwaukee | Wealth Management

Trust Management Simplified: Guidance for Trustees to Support Beneficiaries and Honor Intent

Trustee Services, Wealth Management

Managing a trust is about more than financial oversight—it’s about honoring the grantor’s intent, supporting beneficiaries, and ensuring that the trust document is being followed.  For trustees, this responsibility often comes alongside busy careers, family obligations, and other personal commitments. At Riverwater Partners, we understand the challenges trustees face and the importance of providing thoughtful…