More assets usually mean more accounts, more tax exposure, more people relying on the plan and more professionals involved. The risk shifts from not having enough to making uncoordinated decisions. Integra Wealth acts as the family's personal chief financial officer, keeping every piece in one plan.
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A large position in one company, often from an employer or an inheritance, can dominate your risk. We plan a gradual, tax-aware path to diversify, using cost basis, gifting, charitable strategies and timing to manage the capital gains.
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Donor-advised funds let you give appreciated stock, take the deduction in a high-income year and grant to charities over time. Qualified charitable distributions from IRAs, available from age 70½, satisfy required minimum distributions without adding to taxable income.
Business income, equity compensation, capital gains, rental income and the 3.8% net investment income tax interact. Projections before year-end let you act while choices are still open.
Your CPA, estate attorney and insurance professionals each see part of the picture. Integra Wealth coordinates them so decisions are made once, consistently.
