Integras Insights
Insightful, Curated Articles to Help You Make Sound Financial Decisions
The New FAFSA
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...
This Inflation Cycle is Different
This inflation cycle has played out much differently than past cycles.
Momentum and Mindfulness
2024 started with concern over stock prices, focused on the widening gulf between the price moves of the “Magnificent Seven” tech stocks and the rest of the market.
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...
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...
Light at the End of the Tunnel
Laser-focus on inflation was the key driver of both interest rates and market performance over the past two years.
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.
Closing the Gender Gap in Investing
19% of women report feeling confident selecting investments that align with their goals
Strategies for Charitable Giving – Part 2
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.
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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