The Integra Progress

Our services provide high-quality infrastructure maintenance, ranging fPlanning for retirement today is more complex—and more important—than ever before. With people living longer, facing rising healthcare costs, and navigating uncertain markets, it’s critical to create a personalized retirement plan that supports both your goals and your lifestyle. At Integra, we help you build a retirement income strategy that ensures your money lasts as long as you do, while giving you the flexibility to adapt as life changes.

Creating a Reliable Income Stream.
One of the biggest questions people ask is: “Will I have enough to retire?” We help you answer that by projecting your retirement cash flow—comparing future income sources (like Social Security, pensions, and investments) to your expected expenses.

Our goal is to help you create a sustainable, inflation-adjusted income stream that covers your needs and supports your desired lifestyle.

We look at:
- Your ideal retirement age and spending goals
- Expected inflation and cost-of-living increases
- Required Minimum Distributions (RMDs) from retirement accounts
- Tax-smart withdrawal strategies to minimize unnecessary taxes

Roth Conversions: Pay Taxes on Your Terms
‍We also help you evaluate whether Roth IRA conversions make sense for your situation. By strategically converting pre-tax retirement dollars into tax-free Roth accounts, you may:

- Reduce future RMDs
- Create tax-free income in retirement
- Leave tax-free assets to heirs

Roth conversions are most effective when timed correctly, often during lower-income years or before you start taking Social Security. We guide you through the pros, cons, and timing to make informed, personalized decisions.

Social Security Optimization
Claiming Social Security is about more than just age—it’s about strategy. We help you evaluate different claiming options to determine how to:
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- Maximize your lifetime benefits
- Coordinate spousal benefits
- Delay benefits to increase your monthly income

The difference between claiming at 62 vs. 70 can be significant, and we’ll walk you through the numbers.

Healthcare & Long-Term Care Planning
‍Longer lifespans often come with increased healthcare costs. We help you prepare for:
- Medicare planning and supplemental insurance
- Projected out-of-pocket healthcare expenses
- Long-term care needs and insurance options

This is a key part of ensuring your cash flow remains intact, even if health issues arise.

Estate & Legacy Planning
‍Your retirement plan should also reflect what happens beyond your lifetime. We coordinate with your estate attorney (or refer one) to:
- Ensure your wishes are legally protected
- Minimize estate taxes
- Strategically pass wealth to your heirs

By aligning your rrom cleaning urban areas to maintaining streets and sidewalks in good condition.

A well-built investment strategy is more than just picking stocks—it's about aligning your portfolio with your goals, risk tolerance, and tax situation. At Integra, we take a disciplined, personalized approach to managing your investments with an eye toward long-term growth and risk management.Personalized Asset AllocationAsset allocation—how your money is divided between stocks, bonds, and other asset classes—is one of the most important decisions in investing. We build custom portfolios based on:
- Your financial goals (retirement, college funding, wealth building, etc.)
- Your time horizon
- Your comfort with risk and market volatility
- Any personal investment preferences

Diversification helps reduce risk by spreading investments across different types of assets, so no single market event can significantly derail your entire plan.

‍Tax Location Strategies
‍Where you hold your investments can be just as important as what you invest in. This is where tax location comes in. Different accounts—like IRAs, Roth IRAs, and taxable brokerage accounts—are taxed in different ways. We help you decide which types of investments belong in which accounts to reduce your overall tax bill.

Tax planning is more than just filing your return each year—it’s about making proactive, strategic decisions to keep more of what you earn. At Integra Wealth, we integrate tax planning into every part of your financial life so you’re not just planning for today, but for the long term.We don’t prepare tax returns, but we work closely with your CPA (or refer one if needed) to help you reduce taxes now and in the future.

Integrated, Forward-Looking Tax Strategy
‍We consider the tax impact of every financial move—investments, retirement withdrawals, charitable giving, and more—to help you minimize your lifetime tax bill. Whether you’re working, retired, or somewhere in between, smart tax planning can lead to significant savings.

Our tax planning services include:

Roth Conversions. We help you evaluate if converting pre-tax IRA dollars into a Roth IRA makes sense. Done strategically, Roth conversions can:
- Reduce future Required Minimum Distributions (RMDs)
- Create tax-free retirement income
- Lock in lower tax rates today

Charitable Gifting Strategies
‍If charitable giving is part of your plan, we can help you give smarter, not just more. We explore:
- Donor-Advised Funds (DAFs)
- Qualified Charitable Distributions (QCDs) from IRAs
- Appreciated stock gifting

These strategies can lower your taxable income while maximizing your impact.

Tax Estimates & Withholding Planning
‍We run tax projections to help you avoid surprises at tax time. This includes:
- Estimating your annual tax liability
- Adjusting withholding or estimated payments
- Planning ahead for major income events like retirement, bonuses, or business sales

Tax-Loss Harvesting
‍For taxable investment accounts, we monitor for opportunities to harvest losses—intentionally selling investments at a loss to offset capital gains and reduce your tax bill. These strategies can be especially helpful during volatile markets.

Thoughtful Wealth Transfer Planning
‍We help you think through how and when to transfer wealth to heirs, charities, or other beneficiaries—while minimizing taxes and protecting your legacy. Whether you’re passing assets to adult children, leaving a charitable gift, or supporting future generations, we help make it intentional and tax-efficient.

‍Wills, Trusts & Beneficiary Coordination
‍We review the key elements of your estate plan to ensure:
- Your will reflects your wishes
- Your trusts are funded properly (if applicable)
- Your beneficiary designations are current and coordinated across accounts

One overlooked beneficiary form can derail an otherwise well-crafted estate plan—we help make sure every detail is aligned.

‍Asset Protection & Risk Management
‍We assist with strategies to protect your assets from unforeseen risks—lawsuits, creditors, or even family disputes. This might include trust structures, insurance coordination, or titling recommendations.If you own a business, we’ll help you think through business succession planning to ensure a smooth transition—whether that means passing the business to family, selling to a partner, or preparing it for sale.

By integrating estate planning into your broader financial plan, we help ensure your hard work benefits the people and causes you care about—now and in the future.

Insurance is a key part of protecting your financial plan from life’s unexpected events. At Integra Wealth, we provide objective, commission-free guidance to help you assess your current coverage and identify any gaps that could leave you or your family exposed to unnecessary risk.We don’t sell insurance or receive referral fees—our only goal is to ensure your protection strategies align with your broader financial goals.

Independent Insurance Review
‍We help you evaluate your existing insurance policies to ensure they’re still serving their intended purpose. This includes:
- Life Insurance – Are you protecting your family or legacy needs efficiently?
- Disability Insurance – Would your income be protected if you couldn’t work?
- Long-Term Care Insurance – Do you have a plan for potential care needs in retirement?
- Property & Casualty (Home, Auto, Umbrella) – Are you covered for liability or catastrophic losses?

We also help coordinate with trusted professionals when new coverage is needed—without receiving any commission or compensation for doing so.

Risk Planning That Supports Your Goals
‍Your insurance needs may change as your life evolves. Whether you're starting a family, nearing retirement, or running a business, we guide you through:
- Identifying coverage gaps
- Avoiding over-insurance or duplicate coverage
- Aligning insurance with estate and retirement plans