Integras Insights

Insightful, Curated Articles to Help You Make Sound Financial Decisions

Enjoying Today While Investing for the Future

Enjoying Today While Investing for the Future

Karen and Michael were feeling stressed about money and were referred to us for guidance. In our initial conversation, we learned that Karen has a corporate job and Michael is a freelancer. They have significant bank savings to compensate for Michael’s irregular...

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IRA Basics – Traditional vs. Roth

IRA Basics – Traditional vs. Roth

An IRA (Individual Retirement Account) is a great opportunity for younger investors to save for retirement. IRAs come in two flavors, Traditional and Roth, the main difference being when taxes apply. While traditional IRA contributions may provide a current year tax...

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Reflecting on 2023

Reflecting on 2023

While the S&P 500 rose 26% at the headline level, it was almost entirely due to just seven “magnificent” tech stocks.

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Strategies for Charitable Giving – Part 1

Strategies for Charitable Giving – Part 1

If you are already charitably inclined there are two gifting strategies that you should be aware of, Qualified Charitable Distributions (QCDs) and gifting appreciated stock. To realize tax benefits for 2023, both need to be done before the end of the year.

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FAFSA Changes for the 2024-2025 School Year

FAFSA Changes for the 2024-2025 School Year

Changes to the FAFSA form and the formula for determining a family’s need for aid are changing, effective for the 2024-2025 school year. While all the changes are beyond the scope of this post, here we highlight two from a financial planning perspective. Parent...

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