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
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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