Integrity Investment Planning Group

📊The Fed held interest rates steady at 3.50%–3.75% for the fourth consecutive meeting, but its outlook became noticeably more hawkish.

👀A few key themes policymakers are watching:

• Inflation remains elevated, though much of the recent increase has been driven by energy prices.
• The labor market continues to be resilient, with stronger-than-expected job growth.
• Massive investment in artificial intelligence and technology infrastructure is helping fuel economic growth.
• Financial conditions remain relatively loose, with stock markets near record highs and credit markets still supportive.

🗝️𝐓𝐡𝐞 𝐤𝐞𝐲 𝐭𝐚𝐤𝐞𝐚𝐰𝐚𝐲: 𝐦𝐚𝐫𝐤𝐞𝐭𝐬 𝐡𝐚𝐯𝐞 𝐬𝐡𝐢𝐟𝐭𝐞𝐝 𝐟𝐫𝐨𝐦 𝐚𝐬𝐤𝐢𝐧𝐠 "𝐖𝐡𝐞𝐧 𝐰𝐢𝐥𝐥 𝐫𝐚𝐭𝐞𝐬 𝐛𝐞 𝐜𝐮𝐭?" 𝐭𝐨 "𝐂𝐨𝐮𝐥𝐝 𝐭𝐡𝐞 𝐧𝐞𝐱𝐭 𝐦𝐨𝐯𝐞 𝐛𝐞 𝐚 𝐫𝐚𝐭𝐞 𝐡𝐢𝐤𝐞?"

While inflation remains above the Fed's target, future policy decisions will likely depend on whether economic growth and spending continue to outpace expectations.

❓𝐖𝐡𝐚𝐭 𝐝𝐨𝐞𝐬 𝐭𝐡𝐢𝐬 𝐦𝐞𝐚𝐧 𝐟𝐨𝐫 𝐲𝐨𝐮:

Higher interest rates may continue to impact borrowing costs on 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞𝐬, 𝐚𝐮𝐭𝐨 𝐥𝐨𝐚𝐧𝐬, 𝐚𝐧𝐝 𝐜𝐫𝐞𝐝𝐢𝐭 𝐜𝐚𝐫𝐝𝐬, while savers could benefit from 𝐦𝐨𝐫𝐞 𝐚𝐭𝐭𝐫𝐚𝐜𝐭𝐢𝐯𝐞 𝐲𝐢𝐞𝐥𝐝𝐬 𝐨𝐧 𝐜𝐚𝐬𝐡 𝐚𝐧𝐝 𝐟𝐢𝐱𝐞𝐝-𝐢𝐧𝐜𝐨𝐦𝐞 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬.

Today, we honor Juneteenth and its significance in American history.

Our office will be closed as we recognize this day of reflection, freedom, and progress.

🎙️𝗘𝗽𝗶𝘀𝗼𝗱𝗲 𝟭𝟬 - 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 & 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝘄𝗶𝘁𝗵 𝗦𝗮𝗺 𝗔𝗱𝗹𝗲𝗿🎙️

When people think about retirement planning, they often focus on investments, Social Security, and income.

But one of the biggest financial decisions retirees face is 𝗵𝗼𝘄 𝘁𝗵𝗲𝘆 𝗵𝗮𝗻𝗱𝗹𝗲 𝗵𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲.

In this episode, Dylan & Jordan are joined by 𝐒𝐚𝐦 𝐀𝐝𝐥𝐞𝐫 to break down the basics of Medicare and health insurance, helping listeners better understand the options available and some of the common mistakes people make along the way.

Whether you're 𝐚𝐩𝐩𝐫𝐨𝐚𝐜𝐡𝐢𝐧𝐠 𝐌𝐞𝐝𝐢𝐜𝐚𝐫𝐞 𝐚𝐠𝐞, 𝐚𝐥𝐫𝐞𝐚𝐝𝐲 𝐞𝐧𝐫𝐨𝐥𝐥𝐞𝐝, 𝐨𝐫 𝐡𝐞𝐥𝐩𝐢𝐧𝐠 𝐚 𝐟𝐚𝐦𝐢𝐥𝐲 𝐦𝐞𝐦𝐛𝐞𝐫 𝐧𝐚𝐯𝐢𝐠𝐚𝐭𝐞 𝐭𝐡𝐞 𝐩𝐫𝐨𝐜𝐞𝐬𝐬, this episode provides practical insights into a topic that affects nearly everyone.

Link to watch 👇

Episode 10 - Navigating Medicare & Health Insurance with Sam Adler In this episode, Dylan and Jordan are joined by special guest Sam A...

📉Americans' financial literacy has fallen to its 𝐥𝐨𝐰𝐞𝐬𝐭 𝐥𝐞𝐯𝐞𝐥 𝐢𝐧 𝐚 𝐝𝐞𝐜𝐚𝐝𝐞.

📊According to a recent study, adults correctly answered just 𝟒𝟕% 𝐨𝐟 𝐛𝐚𝐬𝐢𝐜 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬 covering topics like budgeting, debt, investing, and retirement planning.

⚠️What's even more concerning? 𝐌𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝟏 𝐢𝐧 𝟑 𝐆𝐞𝐧 𝐙 𝐚𝐝𝐮𝐥𝐭𝐬 fall into the lowest financial literacy category at a time when they're making decisions about student loans, retirement plans, and building wealth.

💡Financial literacy isn't about knowing every answer. It's about having enough knowledge to 𝐦𝐚𝐤𝐞 𝐢𝐧𝐟𝐨𝐫𝐦𝐞𝐝 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬 𝐚𝐧𝐝 𝐚𝐯𝐨𝐢𝐝 𝐜𝐨𝐬𝐭𝐥𝐲 𝐦𝐢𝐬𝐭𝐚𝐤𝐞𝐬.

✅The good news is that 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐜𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐜𝐞 𝐜𝐚𝐧 𝐛𝐞 𝐛𝐮𝐢𝐥𝐭 through education, planning, and asking the right questions.

📈𝐀 𝐥𝐢𝐭𝐭𝐥𝐞 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧 𝐭𝐨𝐝𝐚𝐲 𝐜𝐚𝐧 𝐡𝐚𝐯𝐞 𝐚 𝐬𝐢𝐠𝐧𝐢𝐟𝐢𝐜𝐚𝐧𝐭 𝐢𝐦𝐩𝐚𝐜𝐭 𝐨𝐧 𝐭𝐡𝐞 𝐧𝐞𝐱𝐭 𝟏𝟎, 𝟐𝟎, 𝐨𝐫 𝟑𝟎 𝐲𝐞𝐚𝐫𝐬.

Americans' financial literacy sags to a new low On a financial literacy test, American adults score the lowest results in a decade.

If you want to see what you truly value the most, check your monthly statements - numbers don't lie!

What a great day at the 𝐍𝐨𝐯𝐢 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐭𝐲 𝐅𝐞𝐬𝐭!

We were grateful to be one of the many local businesses that had the opportunity to connect with 𝐟𝐚𝐦𝐢𝐥𝐢𝐞𝐬 𝐚𝐧𝐝 𝐦𝐞𝐦𝐛𝐞𝐫𝐬 𝐨𝐟 𝐨𝐮𝐫 𝐜𝐨𝐦𝐦𝐮𝐧𝐢𝐭𝐲 𝐥𝐚𝐬𝐭 𝐧𝐢𝐠𝐡𝐭.

From bounce houses and games to local vendors, it was wonderful to see so many people come together and enjoy everything that makes Novi such a 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐜𝐞 𝐭𝐨 𝐥𝐢𝐯𝐞 𝐚𝐧𝐝 𝐰𝐨𝐫𝐤.

Thank you to everyone who stopped by our booth, grabbed some goodies, and took the time to say hello. We always appreciate the chance to meet new faces and reconnect with familiar ones.

We're 𝐩𝐫𝐨𝐮𝐝 𝐭𝐨 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐭𝐡𝐢𝐬 𝐜𝐨𝐦𝐦𝐮𝐧𝐢𝐭𝐲 and look forward to participating again next year!

Special shoutout to the Novi Chamber of Commerce, Katie Chuba, Jennifer Ludwig, & the rest of the chamber's staff/volunteers. They always knock it out of the park and yesterday was no exception.

We were proud to sponsor the Screamers attraction at this year's 𝐓𝐡𝐨𝐫𝐧𝐭𝐨𝐧 𝐂𝐫𝐞𝐞𝐤 𝐄𝐥𝐞𝐦𝐞𝐧𝐭𝐚𝐫𝐲 𝐒𝐜𝐡𝐨𝐨𝐥 𝐆𝐚𝐭𝐨𝐫 𝐆𝐚𝐥𝐚!

The Gator Gala is a fantastic 𝐚𝐧𝐧𝐮𝐚𝐥 𝐭𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧 𝐭𝐡𝐚𝐭 𝐜𝐞𝐥𝐞𝐛𝐫𝐚𝐭𝐞𝐬 𝐚𝐧𝐨𝐭𝐡𝐞𝐫 𝐬𝐮𝐜𝐜𝐞𝐬𝐬𝐟𝐮𝐥 𝐬𝐜𝐡𝐨𝐨𝐥 𝐲𝐞𝐚𝐫 𝐜𝐨𝐦𝐢𝐧𝐠 𝐭𝐨 𝐚 𝐜𝐥𝐨𝐬𝐞. Families enjoyed an evening filled with bounce houses, snow cones, face painting, balloon animals, a reptile exhibit, train rides, and so much more.

Thank you to 𝐓𝐡𝐨𝐫𝐧𝐭𝐨𝐧 𝐂𝐫𝐞𝐞𝐤 𝐄𝐥𝐞𝐦𝐞𝐧𝐭𝐚𝐫𝐲 for allowing Integrity to be a part of this special day, and to all of the volunteers who helped make this year's Gator Gala such a success. We're grateful to be a small part of a great community tradition!