Estate Planning Tips for Couples and Surviving Spouses
These excellent estate planning tips for couples and surviving spouses appeared in the March 30, 2019 edition of the Wall Street Journal. I'm posting the key tips and a link to the article for easy reference. Take key steps for advance planning: ☑️ Hire an estate...
Rent or buy a home? We help you decide what’s best.
The character thinking what to choose, buy house or rent? The choice between buying and renting a home is among the biggest financial decisions that many people face. Answering this question is more complicated than it may seem at first. Let’s begin by laying out the...
How Much Should Be Invested in Stocks?
Stocks Power Portfolio Values Over Long Periods There are 3 major factors to consider when contemplating your asset allocation: timing, risk tolerance, and to a lesser extent, valuation. This question is on people's minds no matter what the stock market is doing. I...
How Long Should You Plan to Live in Retirement?
One of the major inputs for retirement planning is how long you expect to live. Retirement calculators ask you to forecast your lifespan or number of years living in retirement. It’s a necessary input because longevity informs the estimated number of years your...
Fintegrity’s Investing Philosophy
Fintegrity’s investing philosophy is grounded in behavioral finance, understanding that emotion and psychology play a role when investors make decisions, sometimes causing them to behave in unpredictable or irrational ways that create opportunities and deviations from...
How to Save Money When Buying a New Car
When car shopping, think in terms of an execution plan with suggested steps listed below: Decide what car you want to buy, including options and colors. Research pricing, for an idea of the maximum price you would pay, recognizing that you could pay less by shopping...
Health Savings Accounts (HSA) Can Save You Money
November begins the annual enrollment period for health insurance plans. Among the considerations when choosing a plan is whether or not it qualifies for a health savings account (HSA). HSA-eligible health insurance plans have a "high deductible", as required by the...
How Much Do You Need for Retirement?
How much do you need for retirement? The amount you need depends on a few variables, including how much you spend each year, income you will have from on-going sources, such as social security and a pension, and how you have invested your savings. Knowing how much...
3 Reasons to Create a Personal Budget and Financial Plan
3 Reasons to Create a Personal Budget and Financial Plan Priorities: Tracking your spending lets you see if your spending matches your priorities. For example, you may not realize the amount you spend eating out each month or year until you begin tracking the cost....
Protect Yourself from Identity Theft by Freezing Your Credit Files
Millions of Americans reported being adversely impacted by identity theft. According to the US Federal Trade Commission (FTC), identity theft was the second largest consumer complaint (after debt collection) in 2017. The most frequent type of identity theft is credit...