Our Services
The Integrated Financial Wellness, LLC team has over three decades of combined experience in the Financial Services industry. We have worked with clients from many walks of life, guiding them through challenging markets and difficult financial decisions. Our team most likely has the Care, Expertise & Training to help prepare you for what lies ahead.
Our Financial Planning process includes Estate Planning, Tax Management, Asset & Income Protection & Investment Management.
Financial Planning
A cornerstone that ties Estate, Tax, Income/Asset-Protection and Investing together. Custom built for you based on your age, lifestyle, income, expenses, philanthropic goals and individual needs.
Estate Planning
Will and Trust planning is paramount to your overall plan. If you already have a will or trust, is it up to date? If you don't remember or you do not have a will or trust plan, we can help. We utilize the services of a third-party estate planning software to create your custom will or revocable living trust to ensure your medical power of attorney, financial power of attorney, executor/successor trustee(s) and beneficiaries are exactly how you wish.
*We are not attorneys and do not practice law.
Tax Management
More than ever our clients look to us for professional tax management by maximizing their investments and assisting them as they make tax decisions. We use a variety of methods, strategies and software to assist our clients with this process. This includes tax-efficient portfolios & trading, Incentive Stock Options & Non-Qualified Stock Option calculations, IRA distribution calculations / Required Minimum Distributions, Roth Conversions, Retirement Plan Contributions and Inherited IRA accounts.
Asset & Income Protection
A Financial Plan is as good as its weakest link. Our Financial Planning software helps us identify potential protection pitfalls. Two areas include the protection of income and lives. This can be individual and/or business owner & key-person policies. We can review existing insurance policies to 1) Stay the course 2) Add to what you're currently doing or 3) Replace existing policies. Again, as fiduciaries we always act in your best interest. Any recommendation to change your current plan will be explained, detailed and documented as to how it is best for you or your company.
Investment Management
Our advisors work with you to establish your financial goals, risk tolerance, investing time horizon, as well as behavioral finance. We work with you to build a portfolio that's diversified, low-cost and process based.
This includes investments in Retirement Accounts with your current employer plan*, past employer plans**, IRA accounts, non-retirement accounts, education savings, small-business retirement plans and cash / cash-equivalent accounts.
*Some work-place retirement plans offer the option of Self-Directed Brokerage Accounts and outside investment management. Talk to your advisor to learn more.
**You may be able to leave work-place retirement accounts with past employers. We can help you evaluate whether a rollover is right for you. You should consider costs, fees, expenses, services, convenience, etc. of the employer plan versus rolling-over to an IRA.
Employee and Executive Benefits
We can help your business attract and retain qualified employees with one of several workplace retirement plans. For self-employed sole proprietors we can provide either a SEP-IRA or Owner/Solo 401(k) plan. For businesses with employees, we're able to provide a SIMPLE-IRA, 401(k), 403(b), 457 or Cash Balance plan. Contact us to better evaulate which option and provider is best for your business. We also benchmark existing workplace plans and work with a number of local Third Party Administrators (TPAs).