Roots of Wealth

Welcome to Roots of Wealth!

We are here to help ease your retirement worries and allow you to focus on the things that matter to you.  We all tend to worry about different things in life. Whether it is about health, work, family or a relationship, taking the worry out of life seems impossible. Planning for your retirement should not […]

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Mind Over Model

Checking the weather? Guess what—you’re using a model. While models can be useful for gaining insights that can help us make good decisions, they are inherently incomplete simplifications of reality. In investing, factor models have been a frequent topic of discussion. Lately , they are often marketed as smart beta strategies.  These products are based […]

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Turning Out the Noise

Have you noticed the stock market volatility lately?  Hard to miss with the media onslaught of coverage.  Below is a video entitled Tuning Out the Noise from our investment partner Dimensional Fund Advisors (Dimensional) to help bring some perspective to the current situation. Tuning Out the Noise takes viewers on a journey through the “lost decade,” featuring […]

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Photo by Jeff Rowley Big Wave Surfer

Overcoming fear of stocks

Sometimes it doesn’t take much for one to overcome fear. Many investors are still fearful of owning pieces of the great companies in U.S. and around the world known as stocks. Although the evidence is more than compelling that only a diversified portfolio invested for the long-term will supply investors with the appropriate returns necessary […]

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529 Plans and the New Tax Bill

The new tax bill, signed into law on December 22, 2017, has impacted a number of investment vehicles that may benefit many of us.  One significant change to the 529 Plans is the ability to use these funds to cover private elementary and secondary school expenses.  As a reminder: A 529 plan is an education savings […]

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Donate Books for Soldiers

Our house clean up continues.  We were faced with hundreds of books read and collected over 2 decades that have piled up in various closets and dresser drawers.  After inundating our local public library with boxes of books, my daughter Elizabeth came up with a better idea. Unbeknownst to Maureen and I, there is a […]

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“I hope you have enough”

Recently I received a letter in the mail from a charity organization.  The letter was signed with “I hope you have enough”.  This was a unique and thought-provoking way to sign a letter.  And what is actually “enough”? When we plan for the future and retirement, we are planning to ensure that you have “enough” […]

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Take this additional action when you change your clocks!

Sunday March 11th, 2018 is the official date for Daylight Saving Time. The time has come to move the clocks one hour ahead…..finally.  The feeling of spring will soon be in the air and the arrival of warm sunshine and longer days. With the change of the clocks, the customary change of your smoke detector batteries […]

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You Have to Give it Time

You have to give it time.  It’s only been a couple of days. Generally I’m on the receiving end of this advice.  However, recently my wife Maureen came down with the very persistent head cold.  After trying to battle it herself for several weeks, she reluctantly headed to the doctor. Her doctor prescribed her a […]

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Working with Clients Focused on the Long Term

At Crimmins Wealth Management, we work with individuals by helping them clarify what they are trying to achieve in their life.  This discussion usually results in uncovering long term goals such as maintaining a lifestyle in retirement and possible legacy issues.  To drive home this message of the need to focus on the long term when […]

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Performance of the S&P 500 Index - 1990-2017

Recent Market Volatility

After a period of relative unusual calm in the markets, in recent days the increase in volatility in the stock market has resulted in renewed anxiety for many investors. Last year US stock markets experienced the least volatile year on record, hitting new highs seemingly every day. However, from February 1–5, the U.S. market (as measured […]

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