Career Builders
Helping you set and attain your financial goals
Career Builders seek promotions and may have already changed employers. While promotions are exciting, the added employer expectations and time demands may put your investing decisions on the back burner.
Integras Partners with Career Builders who want to be better stewards of their money. You may have scattered investments, a growing savings account, and a desire to better understand your investment opportunities. This is a great time to define your financial goals and establish behaviors that help attain them.
Early investors can reap tremendous returns. Investment returns compound over time, so starting early gives you a great head start towards retirement and financial independence. Even if you later need to taper down investing when starting a family or buying a home, your existing investment will continue to grow, as shown in the chart below.
Notes: Assumes an 8% interest rate, compounded annually.
Source: Catanzaro, M. (2018). How Does Compound Interest Work? Federal Reserve Bank of St. Louis
Insights for the Career-Minded
Why a Financial Advisor Could Be Your Best Investment Yet
Working with Integras Partners brings confidence to your financial journey. We help clients not worry so much about money, knowing that an expert is minding your investments. Many individual investors let emotions and procrastination impact their decisions -...
The Goldilocks Scenario
August through October are historically the weakest and most volatile period for stocks and bonds alike. This year appears to be exceptional. Few expected the strength and resilience demonstrated by financial markets in the third quarter. The S&P 500 Index® posted...
NOW is the Perfect Time to Revisit Your 401(k)
First, you may want to read our current market commentary. It details why the markets are particularly attractive right now. You can check it out here. Employer retirement plans are often your greatest investment, for several reasons. Funds tend to stay invested...
Career Builders – How Do I Begin Funding My Future?
For young professionals building a career, financial goals might seem far away and not get attention. It’s a fact that the sooner you begin, the greater certainty you have of reaching those goals. Not sure where to begin? Here’s what to think about first: 1) Capture...
Smarter Investing: Considering Today’s Economy and Markets
Smarter Investing
Why Target Date Funds May Miss the Mark
Most 401(k) and other retirement plans offer Target Date Funds (TDFs) as a default choice. They have become increasingly popular for a few good reasons but are rarely the best solution once your accounts achieve some size.
IRA Basics – Traditional vs. Roth
An IRA (Individual Retirement Account) is a great opportunity for younger investors to save for retirement. IRAs come in two flavors, Traditional and Roth, the main difference being when taxes apply. While traditional IRA contributions may provide a current year tax...
Light at the End of the Tunnel
Laser-focus on inflation was the key driver of both interest rates and market performance over the past two years.
Reflecting on 2023
While the S&P 500 rose 26% at the headline level, it was almost entirely due to just seven “magnificent” tech stocks.
Closing the Gender Gap in Investing
19% of women report feeling confident selecting investments that align with their goals
No matter where you stand on your financial journey, we’re here to help.
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