Our Clients

Integrated Financial Wellness, LLC works with clients from various backgrounds, investment experience and net worth. Regardless of whether you are just starting to save or have been retired for years, we have probably helped others in similar situations as yours and WE CAN HELP!


Young Professional (early-mid 20s)

New in your career, learning about company benefits such as health insurance, 401(k) / 403(b) plans / SIMPLE IRA and starting a Health Savings Account.  Student loans, credit card blances and other debt compete for daily living and savings needs.  You may rent or sharing housing costs with friends/collegues in a similar situation but are interested in getting an apartment of your own or saving to buy a house.  Regardless, there are many financial "firsts" leaving you perplexed on where or how to prioritize finances.

Young Professionals often ask: How can I pay my bills, payoff debt, save for a house and begin saving for retirement?

Early Accumulator (early to mid-30s)

You may be several years into a career, married and have children or thinking of children.  You are getting a better understanding of finances and saving in your company's retirement plan.  Your first home was perfect but a growing family has you ready to up-size.  You are met with the financial challenges of providing for everyday needs while still paying-off student debt, credit cards, a mortgage, retirement and education savings.

Early Accumulators often ask: How do we meet all our financial needs & goals?  What about contributing to my employer's retirement plan?  Which IRA is right for me?  How much should we save in the "Emergency Fund"?  Should I buy Life Insurance?  What happens if I am disable or pass unexpectedly?

Advanced Accumulator (early to mid-40s)

Your career has advanced significantly - you receive employer perks and bonuses regularly.  Your children are within a few years of college as the cost of higer education continues to climb.  Thoughts of your own retirement are also on your mind.  You and or your spouse's parents are nearing or in retirement.  You have build an emergency fund, paid-off your student debt and credit cards but still have a mortgage.

Advanced Accumulators often ask: How do I we maximize financial aid for my children's education?  Should I pay off my mortgage early versus save in my employer retirement plan or IRA?  How do we manage time and resources to care for aging parents?

Pre-Retiree (50s and early 60s)

Your career has advanced to its highest income level.  You are an expert in your field and able to leverage your experience in the height of your full-time career but the stress of everyday, leaves you looking to retirement ASAP!  Your children are in college or graduated.  They may have started their own family.  Now empty-nesters, you and your spouse consider downsizing your home and/or purchasing a vacation property.  You are able to make large purchases with cash, save extra money each month and maximize your work retirement account.  You or spouse may be dealing with the complication of aging parents and discussions about Medicare, Medicaid, Life Insurance, Trusts/Wills and Long-Term Care are high priorities in your household.  Most importantly, TIME with family takes priority over long days at the office.

Pre-Retirees often ask: How can I begin to trade dollars for my time?  Will we be "okay" financially?  Do we have enough to comfortably through retirement?  How would a recession affect our plan?  How can we save on taxes?  Do we still need life insurance?  Am I getting the most from my investments?  Should we buy Annuities, Long-Term Care Insurance?

Retiree (mid-60s)

Dedication to your career, financial sacrifices and savings have been worth it.  You have a sizable nest-egg, possibly a pension.  You're trying to decide when to begin withdrawing Social Security and healthcare / Medicare.  You are finally able to take the part-time job doing what you enjoy, volunteer or start a small side business.  You travel to places you've always wanted to visit, pick-up hobbies you have wanted to learn.  Time with your grandchildren is priceless.

Retirees top questions are: Have I saved enough?  Will we be "OKAY"?  

Other commen questions include: How do we withdraw from our savings to enjoy retirement and not run out of money?  When do we begin taking Social Security?  How do we coordinate part-time income and pension with Social Security?  Which Medicare supplement plans are right for me?  What would a market crash do to my lifestyle?

Legacy Years

The pace of life may have slowed and priorities are shifting once again.  There is less desire to travel the world and more desire to spend time with your children and grandchildren.  You may have sold your home, moved into a retirement community with on-site amenities and maintenance-free living.  You may have experienced the loss of your spouse.  Legacy planning, although always important, has become your financial priority.

Those later in retirement years often ask: How do I plan so that we are not a burden to our family?  Is there enough set-aside to pay for the high costs of medical care?  Is my estate in order the way I/we want?  Have I coordinated gifts to charity which are close to my heart?


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