Broker Check

What can the team at IntegriGen do for me as a...

Gen Z and Millenials

Gen Z and Millenials

You’re in the beginning stages of your career and many people at this age are taking charge of their own finances for the first time.

Learn more
Gen X

Gen X

Your financial situation is typically more complicated by now while raising your own children or caring for your parents.

Learn more
Pre-Retirees and Retirees

Pre-Retirees and Retirees

As you approach or navigate retirement, you have a lot of decisions to make and changes to anticipate.

Learn more
Our Mission

Our Mission

Our mission is to help you define your financial vision and create a plan that aligns with your goals and values. By gaining a deep understanding of every area of your financial life, we can quickly identify priorities, overcome challenges, and move forward together.  

Our clients value our panoramic and all-encompassing process that puts every piece of their financial puzzle together. We act as their Family CFOs and address multiple facets of their financial lives.

Our Mandatory Process

We are not investment or “stock brokers.”

Our clients don’t focus on price, products and performance. They value our practice, our people and our panoramic process.

We get the most fulfillment by helping our clients tune out the noise and focus on what really matters to them.

We educate them so that they are in the best position to make informed decisions about their specific goals and objectives. This allows our clients to look to the future with anticipation instead of apprehension.

Our work is a very involved process that requires some up-front work on our clients' parts as well. This deep dive into a client's assets, liabilities, cash flow and tax situation is essential for us to be able to add value to the relationship. If a prospect isn't willing to engage in that process, we may not be the best fit for them. We believe this because investments are a commodity and you can buy those for yourselves anywhere. If a client is going to choose to engage with us as their advisor and pay a fee, we have to add value. That's why all of our relationships begin with forming a financial plan. 

The financial plan is the cornerstone of every decision we make together and it's where we start every tactical and strategy meeting.  It is the basis for all of our advice and what we believe should dictate the types of investments we recommend for each type of account. We hold strategy and tactical meetings with our clients where we address all these issues, starting with the financial plan on the screen.This is an essential and mandatory part of our process. 

As Warren Buffett said, “Price is what you pay, value is what you get.” Price is only an issue in the absence of value. 

Value Added Services

  • We act as a sounding board to our clients’ families and friends at no charge. If they are important to our clients, they are important to us.
  • Periodic economic and/or market updates, especially when extraordinary situations occur. We help our clients tune out the noise and focus on how it truly impacts their specific financial picture.
  • Checklists and Resources for widow/widowers as well as support for estate and tax strategies during these difficult times.
  • Elder Care Resources: Many of our clients are considered to be the “sandwich generation” and are still launching their own children, but also have aging parents that need assistance. We provide support for that process and have a vast array of resources to help aid with these issues. This includes guides and checklists for steps that need to be taken when you have an aging parent with needs.
  • We communicate directly with our clients’ mortgage lenders to help provide necessary information.
  • “Outside of the box” income and distribution planning: Many of our clients have important decisions to make about pensions and or assets outside our management. We perform detailed analysis for them such as what survivorship options are most appropriate for pension plans and/or breakeven calculation for “buy-in options” to different retirement plan options offered by their employers. We also help clients determine the most tax efficient options for withdrawing from their portfolios in retirement.
  • Social Security Analysis: There is no specific rule of thumb for a social security strategy and the decision is unique and specific to each family. We provide a detailed analysis and show the benefits and drawbacks regarding the different options on when to take social security benefits.
  • New Car Purchase Analysis: The decision to lease or buy a car is different for everyone. We help provide guidance on what may be best for our clients given their cash flow, specific tax situation and driving habits.
  • Access to our vast network of professionals including but not limited to the following:
    • Mortgage brokers
    • Divorce Attorneys
    • Estate Planning/Elder Care Attorneys
    • CPAs and/or Tax Preparers
    • Insurance Specialists (including life, health, disability, long-term care and home/auto/umbrella)
    • Daily Money Managers-these individuals help those with disabilities or cognitive issues manage their mail, bill-paying, and health insurance claims.
    • Health & Employee Benefits Professionals

55 Things We Can Do For You....

We want to care more about you and your financial well being than anyone who doesn’t share your last name.

Plan Your Financial Future

1.  Guide you to think about areas of your financial life that you may not have considered.

2. Help you prioritize your financial opportunities.

3. Help you determine realistic goals, and then map out a plan to pursue them.

4. Think outside of the box for creative alternatives that would help you pursue your goals.

5. Help prepare a financial plan and/or an investment policy statement for you.

6. Determine how to maximize yours and/or your spouse's social security claiming strategy.

7. Review and evaluate your existing life insurance policies and if need be, help you secure the appropriate type and amount of life insurance to protect your family’s future.

8. Suggest & explain multiple options for setting up a company retirement plan.

9. At no additional charge, we can give your friends and family a 2nd opinion or be a sounding board for any financial questions they may have.

10. Help you develop a personal or family financial organizer that will allow you (and/or your family) to know whether everything is (i.e. user names, passwords, policy/account numbers, etc.). 

11. Help you determine what your estate planning goals are and develop a strategy to work towards them.

12. Review your children’s or grandchildren’s custodial accounts, 529 plans, and college funding strategies.

13. Make sure you don't miss an IRA Required Minimum Distribution, help you calculate it, and determine the best withdrawal strategy (i.e. which IRA account to take from and whether or not you should withhold taxes).

14. Remind you of any upcoming important financial dates (such as quarterly tax estimates, etc.).

15. Check with you before the end of the year to identify any last-minute financial planning needs.

16. Determine best methods for funding healthcare expenses after retirement.

17. Leverage our experience to provide strategies and solutions you didn’t even know existed so you can potentially secure more income, reduce expenses, and get the most out of your finances.

18. If there are challenges we know you will be facing, we will be happy to reach out to you proactively to make a plan to address the challenge.

Invest With Confidence

19. Prepare an asset allocation framework so you can attempt to pursue the best rate of return for a given level of risk tolerance.

20. Stay informed on what's happening in the economy and investment world.

21. Monitor your investments and portfolio performance on a regular basis.

22. Review your investments in your company 401(k), 403(b) or 457 plans.

23. Review your existing IRAs and help you get the most out of them.

24. Help determine withdrawal strategies from your assets to justify converting your investments to lifetime income, if desired and appropriate.

25. Evaluate any lending options and mortgage terms should you need them. 

26. Find ways to potentially increase your income during retirement.

27. Help research and determine missing cost basis for your holdings.

28. Implement salary replacement strategies for retirement income needs.

29. Help you understand the risk level that comes with investing.

30. Provide introductions and specialized investment analysts.

Investments

31. Make sure you don't do what your emotions prompt you to do with you investments, which is typically buy high and sell low. 

32. Provide diverse products and strategies that you may not even know exist and help you determine suitability. 

33. Provide you with sound investment research.

34. Provide you with a personal investment analysis.

35. Determine the risk level of your existing portfolio using our advanced risk software.

36. Help you consolidate, organize and simplify your investments for easier record keeping.

37. Provide you with investment research that is relevant and easy to understand.

38. Provide access and perhaps introductions best in class money managers.

39. Show you how to access your statements and other financial information online.

Evaluate Your Tax Situation

40. Help you invest inside each type of account in the most tax efficient manner.

41. Suggest alternative strategies to potentially lower your taxes during retirement.

42. Suggest investments that may help you reduce your taxes, such as tax-free bonds, deferred products, etc. 

43. Collaborate with your tax and legal advisors to help you work towards your financial goals. 

Serve You

44. Monitor changes in your life and family situation and how they can impact your finances.

45. Proactively keep in touch with you on a regular basis.

46. Explain and define any financial terms or concepts you have struggled to understand. 

47. Provide referrals to other professionals, such as accountants and attorneys.

48. Help with generational planning to make sure your wishes and financial plan are honored throughout the generations. 

49. Facilitate the transfer of investments from individual names to trust, or from an owner through beneficiaries.

50. Keep track of your progress in regards to goals, etc.

51. Identify your savings shortfalls and determine ways to address the issue.

52. Identify bad debt vs. good debt and make a plan for reducing the debt in a sensible order. 

53. Function as an experienced sounding board for ideas you are considering.

54. Help you avoid costly mistakes based on fear, rather than education.

55. Be available for you and your family so that you can focus on what really matters.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Comprehensive Financial Planning Services

  • Intake Session and Discovery: We have you complete our Discovery Workbook in order to try to learn everything there is to know about you regarding your financial life. We will help you identify your goals and prioritize them accordingly.
  • Comprehensive Portfolio Review: We will review your investment accounts and give you our thoughts and where necessary, suggest changes (this includes sound advice as it pertains to potential real estate purchases/sales). You are free to implement the investment recommendations wherever and however you choose.
  • Budget Review: After you complete a Cash Flow Worksheet outlining your income sources and expenses, we will provide  cash flow analysis and help decide “maximum” levels of spending given your individual financial situation. We will also help you decide on an appropriate amount to hold in an “emergency cash account” and discuss ideas for future “dollar cost averaging”.
  • Tax Return Review: While we are not CPAs and suggest that you discuss your specific tax issues with a qualified tax advisor, we do have tax knowledge and want to see your tax return. We like to do this before recommending certain investment or distribution strategies to make sure we are making thoughtful and deliberate suggestions from a tax perspective.
  • Retirement Plan Review: We make sure you are participating in the most appropriate type(s) of retirement plan(s) given the level/source of compensation and your overall tax situation. (i.e. Traditional 401(k) vs. Roth 401(k), Roth IRA vs. Traditional IRA, Defined Benefit Plan vs. SEP-IRA vs. Single K, etc..). In addition to reviewing your level of contributions given your goals we outlined together, we will also provide suggestions for the investments within that plan.
  • Roth-IRA Conversion Analysis: We provide an ongoing annual analysis to determine if a Roth-IRA Conversion makes sense, and if so, at what level.
  • Basic Estate Plan Review & Analysis: We review your estate plan and make sure that the registration and beneficiary designations for your investments/insurance policies are consistent with your asset distribution plan.
  • Risk Management Analysis: Based on a variety of factors, we will review your current insurance policies (including life, disability and umbrella coverage) to determine if you are over or underinsured and can offer assistance and possible strategies.
  • Unlimited phone calls and emails
  • Access to our periodic “IntegriGen Intelligence” communications: We will email important insights on current events or helpful reminders about pertinent and timely topics.
  • Referrals to other professionals: If you are in need of coordinating other areas of your financial life, we can provide you with a list of professionals in the region . When this occurs, we do not receive further compensation from those third parties, so there is no conflict of interest.
  • Ongoing Annual face to face meetings: We will meet with you to review your goals and objectives and any changes in your life that may impact your financial plan. We will also review your progress and monitor whether you are on track to meet the goals we specified during our initial or most recent meeting.

To learn about any of our services in greater detail, or to schedule a consultation, please get in touch with us.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

"Although we work through financial markets, our goal is to help Main Street, not Wall Street."

Janet Yellen

"Although we work through financial markets, our goal is to help Main Street, not Wall Street."

Janet Yellen

Questions?

Thank you!
Oops!