We understand that the world of investing and finance can be incredibly complex and overwhelming, especially for people who are unfamiliar with it. That’s why our team of certified financial planners has put together this page of frequently asked questions for you! On this page, you’ll find a collection of the most common questions we receive from potential clients, along with simple and easy-to-understand answers.
We hope this page can be a helpful resource for people considering investing with us.
On top of our extensive FAQ below, we have also recorded a collection of educational videos that go over some of the essential details of investing. Watch them below.
Willis Ashby of Integra Financial explains fiduciary obligation and provides other forms of financial advice.
Willis Ashby of Integra Financial compares robo advisory investing versus traditional financial investing.
A High Touch Account is an account that is fully customized for an individual client based on their current situation and financial goals. It is suited to clients with investable assets of $500,000 or more who have relatively complex financial planning needs. For example, a client whose plan needs to consider personal goals for the future sale of a business, portfolio growth, risk tolerance, retirement readiness, paying off a home, planning for college tuition for children, estate planning, and tax minimization has complex financial planning needs.
A High Tech / Low Fee Account is an account that is managed as part of a group of accounts with similar profiles. By completing our online questionnaire, you provide the information we need to determine the group that matches your current situation and financial goals. It is suited to clients with investable assets of $10,000 or more and relatively simple financial planning needs. For example, a young professional with a stable income, no short-term debt, making the maximum allowable retirement account contributions, has additional funds to invest, and has a working spouse or no family to support has simple financial planning needs.
The assets in both a High Touch Account and a High Tech / Low Fee Account are held in custody, on behalf of the client, at TD Ameritrade.
Integra Financial, Inc. offers retirement and estate planning services, personal financial needs assessments, current portfolio assessments to help identify where you may be overpaying on fees, and assistance interpreting Medicare and social security benefits.
We support many investment accounts and offer life insurance, long-term care insurance, and annuities based on your financial needs and goals.
When you purchase an immediate annuity, it is generally with a single lump sum, and your income payments begin within 12 months of the date of purchase. Your payment from the annuity is based on a fixed interest rate with fixed immediate annuities. With variable immediate annuities, your payment is based on the value of the underlying investment, usually a stock or bond portfolio.
After choosing an immediate annuity, the annuity owner determines the schedule of payments. This can be done either monthly, quarterly, semiannually, or annually. Another critical decision to make with your immediate annuity is how long the payments will last. The annuity owner can choose to receive payments for a specified period, an entire lifetime, or even for a beneficiary's life.
Before you invest, you should determine how you feel about the potential of losing money in a down market. The higher the return you seek, the higher the potential risk. Past performance is not indicative of future results. Therefore, current and prospective clients should never assume that the future performance of any specific investment or investment strategy will be profitable. Investing in securities involves the risk of loss. Further, depending on the different types of investments, there may be varying degrees of risk. Clients and prospective clients should be prepared to bear investment loss, including loss of original principal.
Because of the inherent risk of loss associated with investing, we, nor anyone else can represent, guarantee, or even imply that our services and methods of analysis can or will predict future results, successfully identify market tops or bottoms, or insulate you from losses due to market corrections or declines. Learn more about the various types of risks.
Processing times for cash withdrawals from your account usually take 3-6 business days.
We recommend that you discuss these needs with your bank or a reputable credit card counseling service.
Integra Financial, Inc. only operates in the United States and, for regulatory reasons, cannot accept customers who reside in other countries. Customers must have a permanent U.S. address, a U.S. Social Security Number, and a checking account from a U.S. bank.
We do not offer tax or attorney services. However, we routinely work with our clients' current CPAs and attorneys. We can provide reputable contacts to consider if you do not have an existing relationship with a CPA or attorney.
Call today if you have any questions about the world of investing.
Call today if you have any questions about the world of investing.
5105 DTC PKWY Ste 316
Greenwood Village, Colorado 80111 United States
5105 DTC PKWY Ste 316
Greenwood Village, Colorado 80111 United States