OUR PHILOSOPHY
HOW WE HELP
WHY US
OUR PHILOSOPHY
At Integrum Wealth Management we practice holistic wealth management.
By taking this approach, we integrate all aspects of your financial life. It involves creating a comprehensive and personalized plan that looks at the big picture and considers investment strategies, portfolio management, taxes, insurance solutions, retirement planning, estate planning, and other financial goals you may have.
Instead of focusing solely on one area, such as portfolio management or lifestyle protection, it brings together all the pieces of your financial puzzle life to ensure everything works together efficiently to achieve your goals.
It helps you build the life you desire; a life based on your goals, values, and points of view. We help you plan thoughtfully, invest wisely, and help you to achieve your goals and dreams.
Integrum Wealth Management isn’t just for the wealthy.
It’s for anyone seeking a thoughtful, personalized approach to financial success.
HOW WE HELP
At Integrum Wealth Management we practice holistic wealth management. Holistic wealth management considers the big picture, ensuring that all financial elements harmonize to create a robust and sustainable financial future. Just a few of the key components we consider are:
Your Goals
We collaborate with you to understand your unique personal and financial aspirations.
Understanding Your Aspirations: We take the time to understand your unique life goals, whether it’s retiring early, funding your child’s education, or traveling the world.
Quantifying Objectives: Together, we’ll define specific, measurable, and time-bound objectives. For instance, you might aim to accumulate $1 million in retirement savings by age 65.
Risk Tolerance Assessment: Your risk tolerance influences investment decisions. Some people prefer conservative strategies, while others are comfortable with higher-risk investments.
Regular Review: As life evolves, so do your goals. Regular check-ins will ensure your plan remains aligned with your changing circumstances.
Adjustments and Adaptations: If your goals shift or external factors impact your financial situation, we’re be there to help recalibrate the plan accordingly.
Investment Management
Growing your wealth often involves investing. Investing wisely is essential for building wealth and achieving financial goals.
Custom Tailored Investments: We specialize in constructing and managing investment portfolios using a sophisticated, in-depth, and disciplined approach. Your bespoke portfolio will align with your unique financial goals, risk tolerance, and time horizon. We optimize the risk and return characteristics of your investments which minimizes the impact of market volatility while enhancing risk-adjusted returns over the mid to long term. Over the short term, we’ll aim to generate additional returns and reduce risk exposure by capitalizing on changing economic conditions, market signals and inefficiencies.
Mitigate Risk: Rather than putting all your eggs in one basket, efficient diversification spreads risk purposefully across various types of investments. To help limit volatility, manage risk, and generate returns we take an active investment management approach in asset allocation, portfolio design, best-in-class manager selection and risk management, just to name a few things.
Long-Term Perspective: Holistic wealth management emphasizes patience and a long-term view. Short-term market fluctuations are less concerning when you’re focused on long-term growth which helps avoid emotional reactions and aligns better with investment objectives.
Tax-Efficient Strategies: Minimizing taxes on investment gains is crucial. Strategies like tax-efficient accounts, funds, withdrawals and tax-loss harvesting help preserve more of your returns.
Rebalancing: Over time, asset allocations drift due to market movements. By periodically adjusting your portfolio, you can capture gains from asset classes that have performed well and reinvest in those that have lagged. Regular rebalancing also ensures your portfolio stays aligned with your optimal mix and aligned with your financial objectives.
Protection
While growing wealth, it’s crucial to protect what you’ve already accrued.
Emergency Fund: An essential component of wealth management, an emergency fund provides a financial safety net for unexpected expenses.
Insurance Coverage: Holistic planning includes life insurance, critical illness insurance, disability insurance, and long-term care insurance. These protect you, your family and your assets.
Estate Planning: Beyond your lifetime, estate planning ensures your wealth is distributed according to your wishes. It involves wills, trusts, and beneficiary designations.
Tax Efficiency: Tax planning isn’t just about minimizing current taxes; it’s also about optimizing your overall tax burden.
Healthcare Considerations: Healthcare costs can significantly impact your wealth. Planning for medical expenses, especially during retirement or if you’re an business owner, is crucial.
Distribution
Eventually, you’ll want to use your wealth. We’ll strategically guide you on withdrawing funds and minimizing taxes.
Retirement Withdrawals: As you transition from saving to spending, we’ll help you strategically withdraw funds from retirement accounts. This involves tax-efficient strategies.
Government Benefit Optimization: Maximizing government benefits requires careful planning. Decisions about when to claim benefits impact your overall retirement income.
Legacy Planning: If leaving a legacy is important to you, wealth distribution involves passing assets to heirs or charitable causes.
Market Volatility Preparedness: During market downturns, having a distribution plan ensures you don’t panic-sell investments.
Lifestyle Adjustments: Through cash flow planning we’ll help you adjust your lifestyle based on your financial situation, ensuring a comfortable and sustainable retirement.
WHY US:
Integrum Wealth Management offers a compelling approach for your financial well-being.
A few of the factors we take into account when securing your financial future are:
Comprehensive Approach
Unlike traditional financial planning that focuses on isolated aspects, such as just investments, holistic wealth management considers all elements of your financial life. It integrates investment strategies, tax planning, insurance solutions, retirement planning, estate planning and more. This comprehensive approach ensures that no critical piece is overlooked.
Life Goals Alignment
Holistic wealth management begins by understanding your goals. Whether it’s retiring comfortably, funding your child’s education, or leaving a legacy, the plan is tailored to your goals. It’s not just about numbers; it’s about creating a financial path that aligns with your life vision.
Risk Mitigation
By assessing your risk tolerance, we help you strike the right balance between growth and protection. Diversification, asset allocation, and risk management strategies safeguard your wealth against market volatility.
Tax Efficiency
Holistic planning includes tax optimization. Strategies like tax-efficient investments, retirement account contributions, and estate planning minimize your tax burden. Keeping more of what you earn is essential for long-term wealth accumulation.
Adaptability
Life isn’t static. Your financial situation evolves—marriage, children, career changes, health issues, and more. Holistic wealth management adapts to these shifts. Regular reviews ensure your plan remains relevant and effective.
Peace of Mind
Knowing that your financial house is in order brings peace of mind. You have a roadmap for achieving your goals, a safety net for emergencies, and strategies to navigate life’s uncertainties.