Comprehensive Financial Planning

Because planning matters

At Integra Wealth Management, we believe that integrated wealth management should be about more than just asset management. We understand that clients come to us with different financial concerns, goals, and situations, so we strive to offer comprehensive financial plans crafted specifically for each individual.

Through this process, we take the time to get a thorough understanding of your current and future needs and discuss what exactly you want to pursue in terms of financial well-being. From here, we develop a personalized plan with obtainable timelines to fulfill your longest-term financial desires. With our comprehensive approach, you can rest assured knowing that no matter what happens down the road, you have a plan to navigate life’s various contingencies and pursue lasting success.

Financial planning questions in Bergen County

Where is Integra Wealth Management located?

Our office is at 461 From Road, Suite 385, Paramus, NJ 07652. Individuals and families in Bergen County can contact the Integra team to discuss their planning needs.

How does financial planning relate to investment management?

Financial planning connects your goals with your broader financial situation, including cash flow, retirement, investment risk and legacy planning. Investment management focuses on how your portfolio supports those goals. Explore our personalized investment strategies and retirement planning services.

Can I discuss planning separately from asset management?

Yes. Our compensation page describes financial, retirement and estate planning as separate services, with agreed hourly or fixed fees and no assets required. Contact the team to confirm the scope, fee and terms for your situation.

How are fees explained before I engage the firm?

Our compensation page describes asset-based fees and separate planning fees. The applicable services and fees are set out in the service agreement. Ask the team to explain the proposed arrangement, any applicable minimum and the services included before deciding whether to proceed.

Does Integra provide tax or legal advice?

Integra Wealth Management and LPL Financial do not offer tax or legal advice or services. Planning can consider tax-sensitive investment strategies and legacy goals, while advice specific to tax or legal matters should come from the appropriate professional. Read about our tax planning strategies and estate and legacy planning strategies.

What can I bring to an initial planning discussion?

Start with your goals, expected retirement timeframe, current concerns and questions about how the team works. Ask which documents would be useful before sending personal financial information. Our team profiles and compensation page can help you prepare questions about experience, responsibilities and fees.

Your Interests Should Come First 

Working with a CFP® professional can help you find the path to achieving your financial goals. Your goals may evolve over the years as a result of shifts in your lifestyle or circumstances such as an inheritance, career change, marriage, house purchase or a growing family. As you begin to consider how best to manage your financial future, you should feel confident knowing that with a CFP® professional, you’re working with someone who has committed to CFP Board, as part of their certification, that they will act as a fiduciary, and therefore, act in their client’s best interests, at all times when providing financial advice to a client. 

CFP certification mark

Why Choose a CFP® Professional

Most people think all financial planners are “certified,” but this isn’t true. Just about anyone can use the title “financial planner.” CFP Board benefits the public by independently certifying financial planners. CFP® professionals have met rigorous qualifications for financial planning. Only those who have fulfilled CFP Board’s rigorous requirements can call themselves a CFP® professional.

As part of their certification, CFP® professionals commit to high ethical standards. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can call themselves a CFP® professional.

Chartered Financial Consultant (ChFC) mark

What a ChFC® can do for you:

  • Utilize income planning strategies to ensure financial success in retirement
  • Advise modern families and divorced couples in the financial planning process
  • Consult on income tax and estate planning issues for individuals with special needs and their caregivers
  • Deliver specialized financial plans for business owners
  • Apply behavioral finance techniques to strengthen relationships with clients 
The Chartered Financial Consultant® (ChFC®) designation represents a comprehensive education that addresses all aspects of personal financial planning, with a focus on practical, real-world applications. ChFC® designees are committed to professional and ethical best practices and must recertify this commitment annually. A ChFC® education is much like the preparation  for CFP® certification education, but with additional required instruction on the principles of financial planning for a broad array of contemporary scenarios found in today’s social and economic environments. The ChFC® is a mark of excellence that acknowledges that your advisor has a comprehensive education in financial planning, with an emphasis on modern, application-based concepts.