Preparing Young Professionals
How Do We Prepare You?
Understanding How to Invest Savings:
Millennials are doing a great job saving money, but not getting it invested. Before you take on bigger commitments, this is an ideal time to get your investment foundation started! We provide counsel to align resources: allowing for adequate reserves, determine a track for a successful retirement then build for shorter-term goals like home ownership or business formation. You’re likely to change jobs more than 10 times in your career and previous employer-plan assets are often uncoordinated.
Low Cost Options:
We employ Exchange-Traded Funds (ETFs) to build these portfolios that our primary custodians (Fidelity and TDAmeritrade) have made available with no transaction costs. There is a wide range of ETF’s to gain primary exposure to the broader indices, plus those focused on specific industries, international regions or asset classes, such as Small Cap Value. This flexibility allows Integras Partners’ Investment Process to strategically tilt the allocations where we believe we can earn our clients a better risk-adjusted returns given our analysis of current market conditions.
Once your savings is set aside and your retirement goals are on track, we can focus on building the wealth that will fuel your dreams. Millennials often increase their earnings to a level that supports a first home mortgage, but they lack the cash up front for the down payment. Whatever your goals are, we can help you craft a plan to get there.