CORE Integrated Wealth

05/28/2026

Most parents think the last tuition check means game over for college. The data says it's halftime.

50 percent of parents with adult children still provide regular financial support, spending $1,474 a month to do so. That's more than twice what they're putting toward their own retirement.

Here's what "just helping out a little" actually looks like:

✅ 75 percent of parents aged 45+ are financially supporting at least one adult child, even though over half of those children can meet their own basic needs, according to a 2025 AARP survey.

✅ 42 percent of supporting parents report financial stress. 9 percent have retired early because of it.

✅ 47 percent say they've sacrificed their own financial position for the sake of their kids.

✅ 18 percent say the support could continue indefinitely. They don't see an end in sight.

This isn't about being less generous. It's about being intentional.

Whether your kid just graduated, graduated five years ago, or is still in school, the question is the same: Is your support happening by design or by default?

That's worth a conversation.

05/25/2026

Yes, Memorial Day marks the unofficial start of summer. But let's not forget what this day is really about.

Today, we remember those who gave everything. The men and women who served and never came home.

Some of us knew them. Some of us are here because of them.

However you spend today, take a moment to pause. Enjoy the long weekend, but hold space for what it actually means.

To the families carrying that loss: we honor them with you.

05/21/2026

Cap and gown season is here. 🎓

A BIG CONGRATULATIONS to every graduate walking across a stage this month! 🥳 🥳

The late nights, the stress, the uncertainty about what comes next have all led to this moment.

To the parents and grandparents in the audience pretending they're not emotional: we get it. ❤️

For the new grads, a few things to consider as you start this next chapter:

➡️ Start investing as early as possible, even if it's small. Time is the one advantage you won't get back.

➡️ If your employer offers a retirement plan with a company match, take it. It's free money.

➡️ Build an emergency fund before you worry about investing. Three months of expenses is a good first goal.

➡️ Understand your student loans: what you owe, the interest rates, and when payments start.

➡️ Your first budget doesn't have to be perfect. It just has to exist.

The financial habits you build now will help form the foundation for your future.

Congrats, Class of 2026. 👏

04/22/2026

💼 If the office had a control tower, it would not be in a corner office.

Administrative Professionals Day is for the people who keep the runway clear, the calendar sane, and the details tight.

In most firms, that role is bigger than a title.

It’s the person who anticipates what is needed before anyone asks.

It’s the person who protects focus, keeps everything on track, and makes sure our clients feel taken care of.

It’s the person who wears five hats and still brings calm to the day.

Grateful for the administrative professionals and the behind-the-scenes leaders who make the work better. 💼

04/17/2026

🌟 Happy National Financial Advisors Day to our incredible team at CORE Integrated Wealth!

Ron Hoyle, Judy Bode, Michael Bradfield, Aaron Hoff, and Gabe Hoyle — thank you for the countless hours you dedicate to helping families and individuals build the futures they've always dreamed of. Your expertise, integrity, and genuine care for every client you serve make all the difference.

Financial planning is more than numbers on a page — it's about trust, vision, and partnership. And this team embodies all of that every single day. We are so grateful for everything you do. 💙

Here's to the people who help others live with confidence, clarity, and peace of mind.

”

04/16/2026

April is National Stress Awareness Month, and caring for aging parents is one of the biggest stressors many families face.

In our experience, stress drops when the basics are handled before there is urgency.

Here are 5 things to consider:

➡️ Financial power of attorney, so someone can act if needed

➡️ Healthcare proxy, so medical decisions are clear and legally supported

➡️ Account access, so a trusted contact can see what is happening without scrambling

➡️ Bill pay strategy, so nothing becomes a late fee problem on top of everything else

➡️ A shared “where things live” file, documents, logins, contacts, including key professionals

These are not fun conversations, but they are often a gift to future selves and to siblings who may need to step in.

When preparations have been made, families can give more time and attention to what actually matters.

04/14/2026

Your Social Security claiming age doesn't just affect you. It could affect your spouse's income for life. 👇

If you're the higher earner, the age you claim shapes what your spouse receives as a survivor benefit after you're gone.

Claim at 62, and that smaller payment could follow them for decades.

A few things that surprise people when we walk through the math:

✅ Max monthly benefit in 2026: $2,969 at age 62 vs. $5,181 at age 70. Same person, very different outcome.

✅ Up to 85 percent of benefits may be taxable. A new $6,000 senior deduction helps, but it expires in 2028.

✅ Divorced after 10+ years? You may be eligible for benefits based on your ex-spouse's record without affecting their payments.

The break-even point between claiming early and delaying benefits falls between ages 78 and 81.

With the potential for one spouse in a married couple reaching 90, this decision deserves more than a guess. 💡

04/11/2026

🐕 🐶 🐈 Whether you have a dog who loses their mind every time you walk in the door or a cat who barely acknowledges your existence, you know how much pets mean to the people who have them.

They show up in our work more than you'd think.

Not just in estate preparation or budgeting for care, but in bigger conversations about what retirement looks like or what happens when circumstances change, and a pet's care becomes part of the equation.

For a lot of people, their pets are family, and preparation that ignores them misses the point.

Happy National Pet Day!! 🐕 🐶 🐈

04/10/2026

National Siblings Day is different for adults.

Growing up, it was about who was the favorite, who touched whose stuff, and who told mom.

Later, it can be about much bigger things, like helping a parent, dividing responsibilities, making decisions under stress, and eventually navigating estate details with fairness and clarity.

In our world, the smoothest family outcomes usually come from conversations that start early: who is doing what, where information lives, what “equal” really means, and what happens if someone has to step in quickly.

Grateful for siblings, the shared history, and the kind of support that shows up when it matters most.

04/09/2026

Any guess how much you’ll spend on healthcare costs in retirement?

A 2025 study by Fidelity puts the after-tax cost at about $330k for an average retired couple and $165k for a single person, excluding long-term care.

Did you know…

⚠️ The $330k and $165k estimates are after-tax and do not include long-term care.

⚠️ Healthcare costs have typically risen faster than the average rate of inflation, the Fidelity report showed.

⚠️ Costs can vary by medical conditions and where someone lives, so rules of thumb can miss.

A lot of people underestimate this line item, enough that if you haven’t included assumptions for it in your retirement strategy, you should.

It deserves an in-depth financial conversation.

04/07/2026

U.S. stocks slipped in Q1 as AI disruption fears and Middle East tensions rattled investors. The S&P 500 fell 4.63%, the Nasdaq dropped 7.11%, and the Dow lost 3.58% — though six of eleven S&P 500 sectors still finished in the green, led by Energy's standout 37.91% gain. As the weather warms up and spring gets us outside, it turns out Americans are right there with you — over 181 million U.S. residents participated in outdoor recreation in 2024. Check out this month's by-the-numbers for more on the outdoor recreation economy.

Stocks fell in the first quarter amid concerns that artificial intelligence (AI) could disrupt certain industries and geopolitical issues that unsettled investors.