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
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.
Enjoying Today While Investing for the Future
Karen and Michael were feeling stressed about money and were referred to us for guidance. In our initial conversation, we learned that Karen has a corporate job and Michael is a freelancer. They have significant bank savings to compensate for Michael’s irregular...
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
NOW is the Perfect Time to Revisit Your 401(k)
Employer retirement plans are often an individual’s greatest investment, because employees keep the long-term mindset needed to stay invested during down markets
Strategies for Charitable Giving – Part 2
If you are already charitably inclined there are two gifting strategies that you should be aware of, Qualified Charitable Distributions (QCDs) and gifting appreciated stock.
Strategies for Charitable Giving – Part 1
If you are already charitably inclined there are two gifting strategies that you should be aware of, Qualified Charitable Distributions (QCDs) and gifting appreciated stock. To realize tax benefits for 2023, both need to be done before the end of the year.
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