Six Financial Best Practices for 2020

December 11, 2019 Marc Rittersporn/marc@integritt.com What a year it’s been. Remember December 2018? As The New York Times reported at the time, “Stocks plunged in December [2018], posting their worst monthly loss since the financial crisis and the worst December … Continue reading

Why “Safe Harbors” Can Be Risky Business

November 25, 2019 Marc Rittersporn/marc@integritt.com We see it often: Whenever investors are spooked by turbulent times, dollars tend to flow out of the stock market, and into “safe harbor” investments such as bonds, bond funds, CDs, money markets, or even … Continue reading

16 Things You Can Do To Prepare for the Next Recession

October 21, 2019 Marc Rittersporn/marc@integritt.com Why are people more afraid of flying than driving, even though car wrecks are far more frequent? As one academic suggests, “in a car, at least I know when to brake. In a plane, I … Continue reading

What is Monte Carlo Analysis

September 9, 2019   Marc Rittersporn/marc@integritt.com If there’s one question on every investor’s mind, it goes something like this: “How am I doing so far?” This universal query is especially relevant when you’re making plans to retire in style, or pursuing … Continue reading

Protecting What’s Yours (While You’re Alive)

08/6/2019 Protecting What’s Yours (While You’re Alive) Whether due to disability, dementia, or enjoying a vacation, there are many ways you can end up unavailable to make critical financial or health care choices for yourself or your loved ones. If … Continue reading

Tips for Protecting Your Important Documents When Disaster Strikes

July 18, 2019  Marc Rittersporn/marc@integritt.com On July 4th and 5th of 2019, two major earthquakes – in fact the biggest to hit Southern California in decades – reminded us that disasters can strike any time. Thankfully, the quakes hit a … Continue reading

Good Financial Advice

June 4, 2019  Marc Rittersporn/marc@integritt.com In today’s climate of one-page financial plans, bargain-basement fund pricing and automated investment management tools, you may wonder whether you still need a living, breathing financial advisor. You do. But with a twist. Are you … Continue reading

What Is Liquidity?         

May 15, 2019  Marc Rittersporn/marc@integritt.com Are your investments liquid or illiquid? When a holding is liquid, it simply means you can sell it anytime the market in which it trades is open for business, without losing your proverbial shirt in … Continue reading

April is Financial Literacy Month

April 24, 2019 Marc Rittersporn/marc@integritt.com   Too many people just don’t have it, but I can help. April is National Financial Literacy Month – an entire month dedicated to underscoring the importance of learning, establishing and maintaining healthy financial habits. Do … Continue reading

Money Management Lingo

March 28, 2019 Marc Rittersporn/marc@integritt.com  Doctors write prescriptions. Auto mechanics perform tune-ups. Lawyers prepare briefs. Financial advisors help you manage your money. Ultimately, it’s that simple. But like any other profession, I sometimes have a funny way of saying it. … Continue reading