Fortify Financial

The lower the correlation the better. If you don’t, read below.

Diversification means combining investments to reduce overall risk with holdings that have low positive or negative correlation. In other words, putting asset classes or investments together that react differently to various factors in order to moderate the impact of risks inherent to individual holdings.

Visit www.fortify.financial to learn more, for important disclosure information, and to request a consultation with our team.

It’s true! HSAs are triple tax advantaged account types ✅ ✅ ✅

Contribution limits for 2025 are $4300 (individual) and $8550 (family).

Did you know a Health Savings Account (HSA) gives you triple tax benefits? An HSA is a special savings account for medical expenses, paired with a high-deductible health plan. It’s a smart way to save on taxes and set aside money for health costs now and in the future!

Review your portfolio for these 4 criteria:

1️⃣ Asset Allocation - Does the overall risk / return profile of your investments match your time horizon and intended purpose for the account? What is the ratio of equities to fixed income - or stocks to bonds - in your portfolio?

2️⃣ Diversification - Do you own a mix of asset classes within your allocation or are you heavy in one industry or sector? If so, is the overweight intentional and in line with your intended purpose for the account?

3️⃣ Investment Cost - Do you know the expense ratio of the ETFs or mutual funds you own? Do you get commission-free trades on stocks and bonds?

4️⃣ Drift - At what frequency do you rebalance your account to your intended allocation? Are the investments you have chosen consistently performing in line with their stated objective?

If you aren’t sure, request a consultation on our website at www.fortify.financial and we can help you review your portfolio.

*Posted for informational purposes and not intended as individual investment advice.*

Learn more at www.fortify.financial

It’s easy to spend more than you plan during the holidays. Who has done it? We have all done it! 🙋🏼‍♀️ But when you are trying to decide on one more stocking stuffer, remember that time freedom is greater than stuff.