When it comes to money, one of the most impactful (and often overlooked) forms of mentorship is the relationship between an individual and their financial advisor...

Diversified global investors were rewarded in Q4 and throughout 2025. The year witnessed a significant shift where foreign equities outperformed domestic markets, precious metals outperformed equities, and the U.S. dollar weakened against foreign currencies...

As members of the Horizent Team at Intrua Financial, we wish you, your family and friends the most wonderful holiday season and a Happy New Year!

Eric Kulwicki CFA®, CFP® provides his investment outlook and positioning as of December 10, 2025.

It's that time of year again when investors with Traditional IRAs consider converting some (or all) of those IRA assets to a Roth IRA.  One of the most common questions we get asked involves the strategy of converting a Traditional IRA to a Roth IRA...

Health, Wealth, and Confidence: Planning for Healthcare in Retirement December 2, 2025 Healthcare is one of the most underestimated expenses in retirement, and it’s only getting steeper. Fidelity’s latest research estimates that a 65-year-old retiring in 2025 will need about...

NOVEMBER CURRENT CLIENT CHECK-IN NEWSLETTER Time Is Running Out: Why 2025 Is the Year to Maximize Your Charitable Giving For high-income earners, time is now officially part of the tax equation. Thanks to the One Big Beautiful Bill Act (OBBBA), the rules for charitable giving...

OCTOBER CURRENT CLIENT CHECK-IN NEWSLETTER Cybersecurity in the Age of AI: Don’t Get Spooked by Scams Cybersecurity in the Age of AI: Don’t Get Spooked by Scams It’s spooky season, and not just because of haunted houses and Halloween masks. The real ghosts lurking...

On July 4, 2025, President Trump signed the One Big Beautiful Bill Act into law, making permanent certain tax cuts originally enacted in 2017 that were set to expire, extending others and adding new tax cut provisions. While the bill was widely anticipated to pass, it removed one factor of uncertainty...

The U.S. government officially entered a shutdown as of October 1. While the headlines may sound unsettling, history shows shutdowns are more noise than signal for long-term investors. Learn what this means for the economy, interest rates, and your portfolio. How will the shutdown impact you?

After nine months on hold, the Federal Reserve delivered its first interest rate reduction of 2025. Fed Chair Jerome Powell characterized it as a “risk management cut,” aimed at guarding against a cooling economy and labor market. 1

Backpacks? Check. Notebooks? Check. Crayons, calculators, and lunchboxes? Check, check, and check. As families scramble to wrap up their back-to-school shopping, one item that rarely makes it onto the supply list (but absolutely should) is a 529 plan. While it may not fit in a backpack, this tax-advantaged...

At its core, financial independence means having the freedom to live life on your terms without financial worry. It’s not simply about retiring early or hitting a magic number in your bank account. It’s about creating a life where you can make choices based on what truly matters to you.

Coming into Q2, equity markets were in decline as investors anticipated President Trump’s tariff “Liberation Day” announcement on April 2nd. When announced, the new tariff rates were higher than many had anticipated.

Summer isn't just for vacations: it's also one of the most strategic times of the year to meet with your financial advisor. Whether you’re tracking toward long-term goals, considering portfolio adjustments, or preparing for year-end strategies, a mid-year financial review offers a host of benefits.

As the Trump administration started enacting its policies, investors appeared to rethink their bullishness.  By mid-February, U.S. large caps reached their near-term peak and started to trend lower.