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
Will Rising Interest Rates Cause a Recession?
August, September, and October are historically the worst three months for market performance and 2023 was no different. Everything but cash, oil and short-term treasuries had negative 3rd quarter returns. The S&P 500 lost 3.25%, small caps fell 5%, international markets dropped 3.5%, and long-term treasuries lost an astounding 8%.
Should I Opt-Out or Take the Company Pension?
Do I want to rely on the company’s future financial strength? How long will I live? What will inflation do to my pension income over time? What happens if I die? Should I take a lower amount to protect my spouse? What happens if they die? Do I have a choice to take a lump sum and control how and when I spend the money?
Do You Still Have Money in a Previous Employer’s 401(k) Plan?
If you reached age 55 in your last year with the company, you’re eligible to access funds without early withdrawal penalties. Consider leaving an amount you might need to withdraw before age 59 ½, which is the penalty-free age for IRA’s.
Gift Mandated Retirement Distributions Tax-Free
Required Minimum Distributions (RMDs) take effect the year an IRA owner turns 73, so the government can start collecting taxes. This is payback for making tax-deductible retirement contributions while working. A few years ago, Congress enabled retirees to give any...
You Can Have Peace of Mind about Your Retirement
In an ongoing University of Michigan survey, older Americans recently expressed less confidence about having a comfortable retirement.[1] Inflation is the likely driver of this worry (both inflation itself and the affect it has had on the stock market). To top...
Finding Value in Overlooked Sectors
The big question for investors now is where to be invested going forward. With the overall market trading at 20x earnings and first half gains concentrated into only a select few stocks, most of the market has been left behind. With the valuations of the high-fliers...
Why Systematic Retirement Distributions Fail
There is a flawed assumption that 4% portfolio distributions are sustainable throughout retirement. Unfortunately, this has proven to be unreliable for too many retirees. The problem doesn’t lie in the math of a withdrawal rate but with the structure of the...
Retirement Wisdom: Do I Take the Company Pension?
When faced with a layoff or early retirement, this can be the most difficult decision. We’ve helped hundreds of clients weigh the options, so here are some questions that may be of help to you. Is my former employer financially stable and is the pension...
Considering Retirement: Sustainable Investments
Meet Pete and Sandra. They have seen both sons married, purchased their retirement beach home and want to retire soon. Pete has enjoyed a successful career and built considerable savings and miscellaneous investments to complement his 401(k). They came to us for help...
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