IHT Wealth Management

As we approach our 10-year anniversary on June 27th, IHT is excited to introduce our new series, IHT Spotlight, where we feature one advisor each month across social media. Kicking off the series is Ryan Wittig, a seasoned financial advisor with 25 years experience who has been an integral part of IHT since its inception. Holding numerous certifications - CFP, Series7, and Life and Health Insurance licensing, Ryan's 25 year professional journey spans from Prudential Financial to Merrill Lynch before finding his home at IHT Wealth Management in 2014. To learn a bit more about Ryan’s approach, we asked him three questions which you can find below. Thanks for reading and we hope you enjoy. IHT

Q: What is your philosophy when it comes to financial planning and investment strategies?

A: Making a goal and planning early are key to achieving it. Whether it's retirement planning, saving for kids' college, purchasing a home, estate planning, etc., planning is key. Equally important is investing in the right vehicles to achieve that goal. Not every investment is right for every situation.

Q: How do you tailor your advice to meet each client’s unique circumstances and goals?

A: Everyone's situation is different and so are the solutions. We tailor a plan specific to each client. Some clients need extensive tax planning or want to maximize long-term growth; some want to maximize income; and some are risk-averse and need more guarantees. There are investments and plans for everyone; we need to fit the plan with the person.

Q: How do you help clients navigate market volatility?

A: Diversification is key, but we can also reduce volatility by using alternative investments. For example, structured notes (buffered notes) allow our clients to invest in many different indexes but gives them a downside “buffer” in case of a down market. Private Equity Funds that are “uncorrelated” to the public stock market so that they don’t ride the volatility of the stocks. There are also bond strategies like target-date bond ETF's that guarantee principal and protect against interest rate risk. These are some of the ways to achieve our client’s goals while reducing risk and volatility.

The typical fees charged for child care vary widely by state. The U.S. Department of Health and Human Services considers child-care costs to be affordable when they are at or below 7% of annual household income — but many families face costs far above that threshold.

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Reach out to the nationwide advisors at IHT Wealth Management to learn more!

Contact our team: https://rizzoyoung.biz/3P7Nmgy

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Contact - IHT Wealth Management Contact Us Send a message Online Form – IHT Wealth Management Contact info (855) 295-2828 [email protected]

Fast-rising U.S. shelter costs — consisting of tenants' rent and owners' equivalent rent — were the top driver of inflation in 2022, but this may be a trend that has already shifted.

Shelter costs account for nearly one-third of the value of the consumer price index (CPI), making them the largest component by far.

New rents and home prices both softened in the second half of 2022, but because of the way shelter costs are measured, it could take nearly a year for those changes to be reflected in the CPI.

Information accredited to .
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Reach out to the nationwide advisors at IHT Wealth Management to learn more!

Contact our team: https://rizzoyoung.biz/3P7Nmgy

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Contact - IHT Wealth Management Contact Us Send a message Online Form – IHT Wealth Management Contact info (855) 295-2828 [email protected]