Smart investing doesn't have to be complicated investing. Understanding strategies may help you avoid common pitfalls.Learn More
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Starting the Process
We start with simple conversations to see if we’re a fit for each other.Learn More
Starting the Process
While integrous is the adjective of integrity, Integrous Investing was founded to be the action of integrity. Click here to learn what makes Integrous Investing different. Experience what it's like to be one of our clients. I hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. My team and I are available to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation.
Our stated investment philosophy is: “Risk management is paramount to investment success.” Unfortunately, though, many investors take more risk than is necessary to accomplish their goals. My team and I educate clients on products, strategies and services so that they can confidently make prudent investment decisions. We have compiled a wealth of information in the form of newsletters, articles, and research reports to assist you with your financial planning and frequently update the information on this site. We hope you'll visit us often. Please contact us at your convenience. Clint D. Gharib.
The inclusion of a wealth manager on The FIVE STAR Wealth Manager Award responses from the survey used may not represent the experience of all clients. The rating is not indicative of the wealth manager's future performance.Contact Us
Perception vs. Reality
There’s an alarming difference between perception and reality for current and future retirees.
Understanding Long-Term Care
Understanding the types of long-term-care services—and what those services could cost—may be critical.
Bursting the Bubble
Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?
Social media may be a modern imperative for businesses looking to grow and build their brand, but it also introduces risk.
Determining the value of your estate, or for someone who has passed away, can be a complex undertaking.
Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers.
Here are some simple and inexpensive energy-saving tips that may help you save money.
Bonds may outperform stocks one year only to have stocks rebound the next.
The Economic Report of the President can help identify the forces driving — or dragging — the economy.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
This questionnaire will help determine your tolerance for investment risk.
This calculator can help you estimate how much you should be saving for college.
Use this calculator to compare the future value of investments with different tax consequences.
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
How federal estate taxes work, plus estate management documents and tactics.
The importance of life insurance, how it works, and how much coverage you need.
Learn more about taxes, tax-favored investing, and tax strategies.
The chances of needing long-term care, its cost, and strategies for covering that cost.
There are some key concepts to understand when investing for retirement
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
When do you need a will? The answer is easy: Right Now.
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
Are Real Estate Investment Trusts right for your portfolio?
The seas of the market are constantly shifting. Whether the good ship IPO can set sail may depend heavily on the tides.
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.