Author Archives: Marc Rittersporn

A Focus on Fixed Income

May 1st, 2018 Marc Rittersporn/marc@integritt.com It’s been approximately a decade since the Great Recession began. By year-end 2008, the U.S. Federal Reserve (the Fed) had lowered the target federal funds rate to near-zero and embarked on an aggressive quantitative easing … Continue reading

10 Things To Do Right Now While Stock Markets Are (Not Really) Tanking

March 27th, 2018 Marc Rittersporn/marc@integritt.com The truth is, the stock  markets are not tanking as we write this piece. In fact, overall market temperatures have been so mild for so long, many newer investors have yet to weather a perfect … Continue reading

You, Your Financial Well-Being and the Federal Reserve

March 20th, 2018 Marc Rittersporn/marc@integritt.com After nearly a decade of leaving the federal funds rate at zero percent, the time finally came on December 16, 2015: The U.S. Federal Reserve (the Fed) raised the federal funds rate by 0.25 percent. … Continue reading

Ten Common Estate Planning Mistakes

March 12th, 2018 Marc Rittersporn/marc@integritt.com Whether your estate plan is simple or complex, many details can get overlooked and may undermine your plan’s effectiveness. The following is a list of the 10 most common estate planning mistakes to avoid:  1) … Continue reading

Risk Tolerance, The Stock Market and Investment Returns

February 20th, 2018 Marc Rittersporn/marc@integritt.com Risk tolerance is a highly individual matter. A portfolio that keeps one investor awake at night may let another sleep soundly. However, investors must be willing to accept a certain risk level to receive investment … Continue reading

Current Stock Market Volatility

February 8th, 2018 Marc Rittersporn/marc@integritt.com If we’ve been doing our job as your fiduciary advisor, you might already be able to guess what our take is on the current market news: Unless your personal goals have changed, stay the course … Continue reading

Older Americans : Growing Targets of Financial Fraud

January 22nd, 2018 Marc Rittersporn/marc@integritt.com America’s older generations grew up in a different world where it was customary to be courteous and trusting. Unfortunately, these exemplary standards of conduct could get some individuals into trouble. Con artists bank on the … Continue reading

Introduction to Tax Strategy

January 16th, 2018 Marc Rittersporn/marc@integritt.com As you know, tax laws change often. Therefore, lowering your tax bill involves careful planning and Tax Strategy.  In fact, there’s hardly an aspect of your financial situation—savings, education, real estate, investments, retirement funding, and … Continue reading

Building a Strong Financial Foundation

January 9th, 2018 Marc Rittersporn/marc@integritt.com Today, many people are concerned about saving for retirement or paying for a large ticket item, such as a child’s college education. If you belong to this group, now may be the time to organize … Continue reading

Turning 50 is a great time for Retirement Planning

January 4th, 2018 Marc Rittersporn/marc@integritt.com Ah, 50! After the birthday candles have been blown out, and you have graciously accepted the “cute” presents from your friends and family (mugs and sweatshirts with silly slogans), you may find yourself wondering, “What … Continue reading