Intergy Private Wealth

Happy Labor Day from our team at Intergy Private Wealth. Today we recognize the dedication and hard work that drives our clients, our community, and our team forward. Wishing everyone a restful holiday weekend!

For employees who receive equity as part of their compensation, restricted stock units (RSUs) often represent a meaningful portion of overall net worth. Geoffrey Schaefer walks through how RSUs work, the case for holding versus selling once shares vest, and the tax considerations that come with each vesting date.

Read the full article: https://thesteadfastfiduciary.com/2025/03/financial-fundamentals-restricted-stock-units/

For many business owners, the company represents the majority of their net worth and years of accumulated effort, which makes the decision to sell as much a personal one as a financial one. The considerations extend well beyond the valuation itself, from how the deal is structured and taxed to what replaces the income the business once provided. Owners who begin the conversation years in advance tend to have more flexibility in how they approach those questions. If a transition is somewhere on your horizon, our team is here to help you think through what that process could look like alongside your broader financial picture.

A will alone may be sufficient for a straightforward estate, though for households with significant assets that is often not the case. In many situations the two documents serve complementary purposes. A trust can hold the bulk of the estate so those assets transfer outside of probate, and it may allow for terms such as staggered distributions or protections for certain beneficiaries. The will can then address anything not retitled into the trust, along with guardianship if there are minor children. If your estate documents have not been reviewed recently, it may be a good time to revisit the structure with your advisory team.

When was the last time you took a close look at your credit? Many cardholders leave meaningful value on the table simply by not knowing their bonus categories or carrying a balance that offsets any earnings. A strong credit profile is built over time through consistent habits and a clear understanding of how the system works, including how your score is calculated and how to maximize the value of the cards you carry.

As back to school season approaches, it is a natural time to think about what we are preparing our kids for beyond the classroom. Financial habits are often formed long before adulthood, making the conversations that happen at home some of the most impactful. From understanding different account types and how they are taxed, to building credit, budgeting, and the basics of investing, there is a lot worth covering before your child heads out on their own. Swipe through for four key topics worth walking through together.

Intergy Private Wealth is growing, and we are looking for a Client Relationship Associate to join our team in Colorado Springs! This is a client-facing role focused on supporting advisory and planning activities, building strong client relationships, and playing a key part in the day-to-day operations of a fast-growing independent wealth management firm.

Apply today: https://www.linkedin.com/jobs/view/4446300146/

Computer software and accessories prices jumped a record 17.4% year over year, underscoring the mounting cost pressures tied to surging AI-driven demand, a concern echoed in the Fed's June meeting minutes alongside the Middle East conflict and existing tariffs. Broader inflation did show signs of cooling, with US CPI falling in June for the first time in six years, driven by the biggest decline in gasoline prices since 2022. However, with hostilities between the US and Iran having recently reignited, the inflationary impact from renewed disruption to the Strait of Hormuz remains yet to be seen, and layered on top of persistent AI-driven price pressures, the path forward for inflation remains uncertain, keeping the Fed and markets on alert.

Summer travel, events, and activities have a way of stretching the budget further than expected, making it a good time to revisit how you are managing your monthly cash flow. When it comes to personal finance, few things have more influence on long term outcomes than how you handle your spending and savings consistently over time. Geoffrey Schaefer, CFP® breaks down practical approaches that can make budgeting more manageable and sustainable. Read the full article and take advantage of the free budget template included: https://bit.ly/4aIA06n.