Integrated understands that whether you are an individual, family office or an institution, where you want to go with your financial resources requires proper planning.  It begins with a well-structured discussion around your needs, objectives, goals and dreams.  While some of the time our clients are fully aware of what they want their financial resources to do for them, often they need assistance in working through this.  Integrated works with our clients to define what an ideal and acceptable financial outcome would look like.  Some of the factors taken into consideration include:

  • Time Horizon
  • Cash Flow Resources
  • Cash Flow Requirements
  • Forward Capital Expenditures
  • Risk Appetite
  • Legacy Expectations

From these discussions, we begin to prioritize the factors above and define ideal and acceptable outcomes.  Integrated then begins to analyze our clients’ specific financial information.  Data needed to begin this assessment includes:

  • Asset Statements
  • Liability Statements
  • Current Investment Structure
  • Tax Structure
  • Expected Sources of Cash Flows
  • Expected Future Liabilities

With the information from above, Integrated overlays prudent assumptions into our financial models.  Some of the assumptions include:

  • Asset Return Expectations
  • Interest Rate Expectations
  • Inflation Expectations
  • Tax Expectations

The final analysis determines the probabilities of our clients’ ideal financial outcome and an acceptable financial outcome.  In the rare cases where the probability of a client’s acceptable financial outcome is too low, we can make adjustments based on their priorities.  As an example, an adjustment to time horizon, shift in asset allocation or minor reduction in capital expenditures could easily move probabilities toward a more favorable outcome.

Proper planning requires asking thoughtful questions, listening intently, stress-testing various financial outcomes and collectively implementing solutions to ensure our clients get to their financial goals.