Retirement Minded
Helping you confidently aim for your retirement goals
Flipping from accumulating assets to spending retirement savings can be scary. Integras Partners with people who are planning for, or in retirement. First, we help you confidently make this life-changing decision, and then to maintain the peace of mind that allows you to go out and enjoy retirement.
This confidence to quit earning comes from seeing detailed cash flow projections based on your personal finances. We know this is an emotional time and seeing this output is empowering.
Knowing both your capabilities and limitations provides the comfort that you’re not overspending. It often allows you the freedom to have more fun than you might have in retirement.
This peace of mind is sustained by a custom portfolio mix that matches investment risks to your timeframes. This enables you to spend today, knowing that risk assets have time to grow for the future.
Our strategies help you live a life where your spending choices aren’t dictated by today’s news or market gyrations.
We encourage clients to “Go Live your Lives, and let us worry about the markets.”
No matter where you stand on your financial journey, we’re here to help.
Insights for the Retirement-Minded
We Can Help with Important Conversations that Families Avoid
As we age, living situations and health needs will change. Parents and their children avoid planning for them, for very understandable reasons: Parents don’t “want to be a bother”. Kids “don’t want to pry” into their parents’ lives. Money conversations can be tense....
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...
Planning Now Could Reduce Taxes in Retirement
First, let’s look at the three types of accounts by their tax treatment. Tax-Deferred Retirement Accounts are funded with untaxed dollars (contributions are tax deductible, either through salary-deferral or on your tax return). However, future withdrawals are fully...
We want our clients to stay retired! How do we do that?
We want our clients to stay retired! How do we do that?
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
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.
Partner with Us
Let's begin our conversation to see how we can help you reach your goals.