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.

 

Couple overlooking waves splashing on rocks

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

Why Target Date Funds May Miss the Mark

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.

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Age-Based Milestones for Financial Planning

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.

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The New FAFSA

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...

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Momentum and Mindfulness

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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Enjoying Today While Investing for the Future

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...

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IRA Basics – Traditional vs. Roth

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...

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