Markets are efficient. Prices reflect new information quickly, so trying to forecast markets or time them adds cost and risk.
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Risk and return are related. Higher expected returns come with higher uncertainty; your plan decides how much uncertainty you can accept.
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Diversification is crucial. Spreading investments across asset classes, industries and countries reduces the effect of any single company or market.
Where an investment is held matters as much as what it is. Integra Wealth places investments across taxable, tax-deferred and Roth accounts to reduce the overall tax bill, and monitors taxable accounts for opportunities to harvest losses to offset gains.
Where an investment is held matters as much as what it is. Integra Wealth places investments across taxable, tax-deferred and Roth accounts to reduce the overall tax bill, and monitors taxable accounts for opportunities to harvest losses to offset gains.
A CERTIFIED FINANCIAL PLANNER® professional has completed CFP Board's education requirements, passed its certification exam, met its experience requirement and agreed to its ethical standards, including a fiduciary duty when providing financial advice. You can confirm David A. Hodges' certification on CFP Board's Let's Make a Plan website.
