CORE Integrated Wealth

06/14/2026

Most people know June 14 as Flag Day. Fewer know why.

In 1777, the Second Continental Congress passed the Flag Resolution, officially establishing the Stars and Stripes as the flag of the United States.

13 stars. 13 stripes. One for each of the original colonies.

It took another 172 years before Flag Day became an official national observance.

Happy Flag Day.

06/05/2026

Markets continued their upward climb in May, supported by strong technology performance, positive economic data, and ongoing diplomatic efforts in the Middle East. The Nasdaq gained 8.36%, the S&P 500 rose 5.15%, and Canada’s S&P/TSX Composite added 2.37%, while investors welcomed better-than-expected job growth and upbeat corporate earnings. With the Fed's next meeting scheduled for June, attention is turning to updated economic projections and what they may signal about the broader economy. From \$24 billion spent on Father's Day to the popularity of dining out and special outings, this month's by-the-numbers highlights how families celebrate the dads in their lives.

Stocks pushed higher in May, fueled by big tech names, positive economic news, and ongoing diplomatic efforts in the Middle East.

05/29/2026

According to a Fidelity article, for the ‘25-’26 school year, the average published all-in cost at a 4-year public school for out-of-state students is $45,780, and the average private school costs $60,920.

So, because today is 529 Day (it’s 5/29, get it? 😂), it’s a good time to revisit one of the most flexible tools for tackling those numbers.

What 529 plans actually do:

📚 Tax-free growth and tax-free withdrawals for qualified education expenses. State tax treatment will vary, and so will fees and expenses.

📚 Use them for college, trade school, K-12 tuition, and apprenticeships. A 529 can even repay up to $10,000 in student loans.

📚 Whether a 529 qualifies for a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws.

📚 Superfund up to $95,000 in a single year by using five years of gift tax exclusions at once. But remember if you make nonqualified distributions, earnings will be subject to income tax and a 10 percent federal penalty tax.

📚 Minimal impact on financial aid—parent-owned 529s are assessed at a maximum rate of 5.6 percent.

Grandparents, parents, aunts, or uncles can contribute.

And starting in 2026, the K-12 annual withdrawal limit doubles to $20,000.

The best time to start was years ago. The second-best time is now.

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. 💡