How it Works
Guidance for the Three Stages of Retirement
Our wealth management firm in Wilmington and Rehoboth Beach, Delaware, specializes in working with you through the three stages of retirement:
Uncertainty Stage
When you are within 10 years of retirement and have questions about how to make it work
Stability Stage
When you have reached the financial milestone to retire comfortably and confidently
Reflection Stage
When you are looking at leaving a legacy
We are also here to provide experienced, empathetic support during times of loss, such as the death of a life partner.
Partner with us and you’ll receive guidance from financial planners, investment managers, and CPAs. You need confidence and a sense of security to enjoy retirement. This is why we rely on an evidence-based investment strategy and personalized financial plans.
TELL US ABOUT YOURSELF
I’m Ready to Retire or Have Recently Retired
You want professional advice to bring clarity to your retirement picture.
I’m Rebuilding After the Loss of My Partner
You seek experienced, empathetic advisors to help you move forward.
OUR PROCESS
We’ll gain an understanding of your retirement stage, concerns, and goals; build an integrated wealth management strategy based on your objectives; and meet regularly to review.
MAKING THE INTRODUCTION
In this complimentary call, we discuss what prompted you to reach out. You’ll learn how our services can be applied to your scenario, and we’ll mutually decide whether we should move forward.
GETTING ACQUAINTED
We meet in person or remotely to gain a clear understanding of your current financial picture, specific concerns, and your ultimate goals and dreams. We answer all your questions so you can make an informed decision about working with us.
SLEEPING ON IT
We understand that this is a relationship, and like all relationships, it is important that we are a match. Once you are ready, we move forward with your retirement planning.
GETTING ORGANIZED
We kick off our multi-meeting process to build your personalized strategies. We’ll collect your financial data and begin building a plan.
PRESENTING YOUR FINANCIAL PLAN
We present your personalized plan over two or three meetings. This time frame allows you to fully process our recommendations and revise as needed before acting.
Taking ActioN
You’ll never be alone! We are here to empower you to make exceptional decisions while we take on the heavy lifting of carrying out your plan.
MONITORING PROGRESS
We meet with you semiannually to revisit your goals, assess progress, and make course corrections as needed. Our door is always open—please contact us whenever you face a financial question or concern!
OUR SERVICES
Through integrated financial planning, investment management, and tax minimization strategies, we’re here to help you enjoy retirement to the fullest. Our personalized services include:
Retirement Planning
Tax-efficient distribution strategies
Social Security Optimization
Health care & long-term care cost analysis
Estate Planning
Investment PHILOSOPHY
At Integrated Wealth Management, we adhere to an evidence-based investment strategy that is grounded in decades of Nobel Prize-winning research. We ignore media and Wall Street noise and instead rely on time-tested principles and a disciplined, long-term approach to achieving your goals. Your investment portfolio will be built according to the following principles:
Investment portfolios and financial plans must align. Investment recommendations are based on your goals.
Long-term focus. Market timing does not work. We focus on maximizing returns over time.
Disciplined investing. A clearly defined investment strategy can help guide you through market ups and downs without resorting to emotionally charged reactions.
Tax-efficient consideration. Proactive tax planning is key. Asset location and tax loss/gain harvesting are considered to reduce taxes and maximize returns.
Ongoing risk reduction. We rebalance portfolios to take advantage of “buy low, sell high” opportunities.
Efficient portfolio management. We strive to execute trades efficiently and select low-cost investments to keep expenses low.
TECHNOLOGY
We serve clients across the country with our state-of-the-art technology.
A secure online portal provides online account aggregation so you can see all your financial accounts in one place.
You can track progress, review your investment portfolio, and securely upload and store documents.
GET STARTED
Let’s discuss how we can help you get the most out of retirement. Schedule a complimentary, 30-minute call.