Featured Articles

It’s never too late to take the first step or get a second opinion.

Achoo! Spring 2018 Market Update, by Financial Educator Clint Gharib

Living in the south, we have a love-hate relationship with spring. Sure I love the warming temps and first blooms of my Camellia bush and dogwoods, but the pollen literally blankets everything causing allergic reactions to man and beast alike. My black car looks yellow, 5 minutes after I spray it off! Spring has brought the…

8 Social Security Changes You Need to Know About in 2018

Each year the Social Security Administration (SSA) publishes an annual fact sheet detailing changes to the Social Security program. The following changes will impact many working and retired Americans in 2018. 1) Full retirement age goes up – Americans who will turn 62 in 2018 (born in 1956) will need to wait until age 66…

Can the Party Continue

Well it’s a new year and we have a new look to our logo and name. 2017 was one heck of an unusual and powerful year for the stock markets Unusual: It was the first year EVER that the S&P500 gained every month; also first year the NASDAQ 100 gained every month of the year. Volatility was flat…

Arch Rivals Unite – A Hasbro Mattel Marriage

As a comic book collector, moviegoer and all around Super-Heroes fan, I’ve been watching this Hasbro Mattel merger like a kid awaiting presents on Christmas. Super excited but I don’t want to get my expectations up, and a bit worried about how it will all play out. Full disclosure we invest in Hasbro. I’ve long…

Voyage ATL article featuring Clint Gharib of Integrous Investing

[VoyageATL] Voyage Interview Meet Clint Gharib of Integrous Investing in Sandy Springs, Georgia Please Note:  When you link to any of the websites provided here, you are leaving this website.  We make no representation as to the completeness or accuracy of information provided at these websites.  Opinions expressed are that of the author and are not…

An Integrous Investment Tradition of Sugar Cream Pies

Sharing sweet family memories with clients. One pie at a time. When people stop by the Integrous Investing Atlanta office during November, they usually ask “what’s up with all the pies?” It’s actually a Gharib family tradition that we’ve passed onto our clients. But not just any pie will do…here’s our story. A Family Tradition…

History & the Fed Are Giving You an Investment Roadmap

I read an article recently that’s a prime example of what clients ask about and what I’m seeing in trading activity. How to invest for the age of Trump from the Los Angeles Times presented special considerations for financial advisors (such as myself) and it stated that bonds are the biggest worry. But it’s focus was…

Women & Wealth – Closing the Gender Retirement Gap

When I was a little girl I wanted to have a job where I carried a briefcase. I remember my mom saying “then you better go to college and get a good job”.  Never did she tell me that I had to ‘find a husband’ to provide this.  No, she supported my dream of making…

[Forbes] A Warning Sign For Business Owners Looking For Mortgage

Forbes – A Warning Sign For Business Owners Looking For A Mortgage. Tax Status Is Key. My Home Buying Lesson. Please Note:  When you link to any of the websites provided here, you are leaving this website.  We make no representation as to the completeness or accuracy of information provided at these websites.  Opinions expressed…

Are Stocks Trying to Copy 2013?

It’s the 1941 anniversary of the Japanese attack on the US Naval Base at Pearl Harbor (and the return to Hawaiian shores by 104 year old survivor, Ray Chavez). It’s the date on which first state, Delaware, ratified the US Constitution in 1787, NY Philharmonic’s first concert in 1842, when Otis Redding recorded “Sittin’ on the…

Life Insurance. What’s In It For My 20-Something Year Old Self?

In days gone by, life insurance was purchased by individuals to pay off the house or pay for college education in the event of an untimely death of a spouse. Something for “the kids” should mom or dad die early, and as a bridge of income for a surviving spouse, as it’s quite a blow…

How Do I Invest Now?

An election brings about a lot of uncertainty for investing.  Investors are flooded with predictions and outlooks from every “expert” and market observer. In May 2015 I wrote in a similarly titled blog, “I believe we are in store for an even more volatile year in 2015 than we saw the past two years. Look…

One Investment Theme Trump & Clinton Agree Upon

Each general election cycle presents investors with the task of determining which investments could benefit from the outcome. The presidential nominees have shown that they agree on very little in regards to policies. And with an election race nearly tied in the polls, investors are left in a quandary. Such uncertainty in the past has…

Killing the Global Economy

Lobotomies are as insane to me as the thought of negative interest rates When a seemingly quick and easy method of treating the frontal lobes of the brain was introduced “it spread like wild fire because alternative treatments were scarce. There was no other way of treating people who were seriously, mentally ill” says Dr.…

Political Party Impact Upon the Markets

As a financial advisor for more than two decades, I’m on the lookout for half-truths that may hurt investors. With the US general elections fast approaching, let me state I am politically agnostic when it comes to the major parties. I dislike both the Republican and Democratic parties, equally. One of these half-truths that re-surface…

Reshoring Jobs

Doomsday predictions of the next market crash are appearing from the usual sources again but the vitriol coming out of campaigning politicians seems like were in 1930 instead of 2016.  Consider the pitch that there is an exodus of US jobs from America – ignores the facts of reshoring (jobs returning to US that had…

NASA gives away 56 patents FREE

Who said there’s no free lunch?  NASA – National Aeronautics and Space Administration – is doing just that – they just made 56 patents available to Public Domain (free to the public) freely available for unrestricted commercial use. Here are a few examples from the recent press release:    •Technologies designed to mitigate the dangerous gases created as humans…

“W’ is back

Amidst the recent cable news coverage its hard to find any news beyond the US Presidential primaries.  There is an important piece of data that has occurred quietly with little attention.  The return of ‘W’.  No I’m not talking about the 43rd US President but the trading pattern of US Stock markets.   I put out several pieces…

Market Update- “It’s Only a Flesh Wound”

Happy New Year. This time of the year brings out market prognostications from every source and right now many seem very negative. Rather than add to this folly I believe it’s more useful to try to make sense of the recent uncertainties. I love the “it’s only a flesh wound” scene (click to watch) in…

Apple & Denver Broncos Teach Entrepreneurs How to Get Back on Top

December 28th – I could not believe my eyes. I just saw the chronological timeline of Apple from its early success played out by the Denver Broncos over the Cincinnati Bengals during the recent Monday Night Football game. Let me start by saying I’m a diehard Oakland Raiders FAN (as in fanatic) so it’s like…

Clint gets to discuss policies with Sen. Marco Rubio in Atlanta, GA

Clint gets to discuss policies with Sen. Marco Rubio in Atlanta, GA On Dec 12, 2015 I enjoyed an evening with Sen. Marco Rubio. During which he discussed many topics and his plans. My conversation with him focussed on the increasing military actions of Russia and China. Beyond this, Sen. Rubio showed everyone there he…

[Forbes] Think You’re Insured? If You Don’t Have Business…

Forbes 10/15/2015 – Think You’re Insured? If You Don’t Have Business Interruption Insurance, Think Again Please Note:  When you link to any of the websites provided here, you are leaving this website.  We make no representation as to the completeness or accuracy of information provided at these websites.  Opinions expressed are that of the author…

“Cuba on the Cusp” – Clint was a member of the Oxford Center of Entrepreneurs’ envoy to Cuba.

“Cuba on the Cusp” – Clint was a member of the Oxford Center of Entrepreneurs’ envoy to Cuba. I will never forget the first four days of October 2015. Thanks to the Oxford Center I was able to meet Cuban business and academic leaders within Havana. This picture of our group was taken from the…

Market Update: I love Re-Runs

In my March 16th Market Update ‘ How Do I Invest Now’ I wrote; “I believe we are in store for an even more volatile year in 2015 than we saw the past two years. Look for more conflicting data and opinions which can lead to polarizing opinions by analysts and confusion by advisors and…

Market Update: Ducks’ Legs are Key Indicator

Duck’s Legs are Key Indicator Thus far volatility has played its part with the oil patch being the poster child for it.   The current question on the direction of oil seems to me like watching a duck on a pond, many people seem to only be watching the direction the duck is going rather…

[Forbes] Why Too Many Business Owners Bet Their Own Homes…

[Forbes] Why Too Many Business Owners Bet Their Own Homes (And What They Could Do Differently) By Clint Gharib Please Note:  When you link to any of the websites provided here, you are leaving this website.  We make no representation as to the completeness or accuracy of information provided at these websites.  Opinions expressed are…

Market Update – FRENZY

Well there are always two sides to a coin. I’m writing this as the city of Atlanta is locked in the grips of a winter storm that has turned our roads into parking lots, literally, with some people stuck on roads for 5 hours or more so far. While I and my family are not…

Market Update – Shale Boom Busted?

Due to recent data and the chatter over it I felt a Market Update was needed before the next scheduled Update in August. In one of my Updates that I’ve received the most response from yet, ‘Market Update – Step Right Up, Buy a Ticket to America’s Rebirth Ride 4-11-2012’, I spoke about two major…

Market Update- America’s Rebirth: The Next Generation

This an update to the client-favorite Market Update “Step right up and buy a ticket to America Rebirth Ride April 12, 2012”.   Do you remember the seemingly forgotten headlines only a short time ago about Congressional budget battles, possible US shut-downs, US & European sovereign debt, and the uncertainty of the US dollar’s status as…

Are you working with an investment advisor, broker or both?

Advisors follow the Fiduciary Standard which was established within the Investment Advisors Act of 1940. The U.S. Securities and Exchange Commission (SEC) Fiduciary Standard requires advisors to act in the best interest of the client – specifically stating that they must put their clients’ interests above their own.  It requires higher standards and is more stringent than the suitability standard. …

Income planning evolves as much as technology. We’re at the…

Stop and ask yourself a simple question:  “What do you want your retirement to look like?”  Unfortunately too many investors and advisors are held hostage to limited visions when it comes to income planning – they’re still using the same income planning approach that was based on the past 30 years and not the future. …

Oil is Dead. All Hail Oil

I thought about titling this Update “Oil, Oil everywhere and not a certainty in sight” but there is certainty to oil just not knowledge of the future price of oil.  Unless you have only watched re-run sitcoms or reality TV shows (oxy moronic to call them reality)  then you know there has been a lot…

How Do I Invest Now?

With the beginning of a new year investors are flooded with predictions and outlooks from every “expert” and market observer. It can be as confusing as navigating a busy foreign subway system when you don’t speak the language. “Uhhh… which way do I go?” Let’s not try to guess which stocks, sectors, etc are going…

Entrepreneurs Can Feast on 529’s

Thank you America for preventing President Obama from trying to do away with 529 plans – The surest way to get people talking about something is try to take it away from them. Despite the media circus, the fact remains 529 plans should be especially attractive to entrepreneurs. Entrepreneurs are a different breed, we don’t…