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
Financial Planning Considerations for Singles
Planning for your future on your own can be empowering yet intimidating at the same time
Retirees Can Invest for Income and Growth with Less Risk to Both
Ann was facing her next chapter in life. She was recently widowed and had been considering retirement. She wanted to live near grandchildren and downsize her home.
Smarter Investing: Considering Today’s Economy and Markets
Smarter Investing
Facts You May Not Know About 529 Accounts
If you’re the parent of a newborn, the need for college planning may seem far in the future. But starting early can make a huge difference, even if making small monthly contributions.
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.
Factoring Inflation into your Retirement Plan
Inflation can’t be controlled, but evaluating it within your retirement plan can help identify ways to mitigate it. Here are a few ways inflation can be considered.
Age-Based Milestones for Financial Planning
Reaching certain ages can be meaningful for financial planning. Age can affect contributions and withdrawal rules from retirement accounts, social security and pension options, and even taxes as many aspects of the tax code are linked to age.
The New FAFSA
Changes to the FAFSA form and the formula for determining a family’s need for aid are changing, effective for the 2024-2025 school year. While all the changes are beyond the scope of this post, here we highlight two from a financial planning perspective. Parent...
This Inflation Cycle is Different
This inflation cycle has played out much differently than past cycles.
Momentum and Mindfulness
2024 started with concern over stock prices, focused on the widening gulf between the price moves of the “Magnificent Seven” tech stocks and the rest of the market.
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