What's the difference a High Touch Account and a High Tech / Low Fee Account?

A High Touch Account is an account that is fully customized for an individual client based on his or her 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 take into account 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, who is 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.

What are the account minimums and fees for High Touch Accounts and for High Tech / Low Fee Accounts?

A High Touch Account requires minimum investable assets of $500,000 or more. The fee is 1% or less of the assets managed by Integra Financial per year (billed quarterly) and includes direct advisor access for no additional fee.

A High Tech / Low Fee Account requires minimum investable assets of $10,000 or more. The fee is 0.7% of the assets managed by Integra Financial per year (billed quarterly) and includes 1 hour of direct advisor consultation. Clients who would like additional direct advisor consultation will be charged an hourly rate.

What partners do you use to provide comprehensive investment choices?

TD Ameritrade Institutional Investment Account – Partner we use for our institutional accounts where clients have higher assets or need more Advisor assistance in handling their investments and portfolio.

Morningstar Investment Account – Morningstar is a more sophisticated managed portfolio management service with independent investment research for clients with higher assets.

SEI Private Trust Investment Account – SEI Private Trust is an alternate sophisticated managed portfolio service with independent investment research for clients with higher assts.

Harvest Savings & Wealth Technologies, Inc. Robo Advisor – Platform and partner for high tech / low fee accounts used for clients who like to be more hands on and have more online access with their investments. All accounts are still held at TD Ameritrade Institutional as the custodian.

What types of accounts and financial planning products do you offer?

Integra Financial, Inc. offers retirement and estate planning services, personal financial needs assessments, current portfolio assessments to help identify where you may be over paying on fees, as well as assistance with interpreting Medicare and social security benefits.

We support many different types of investment accounts, as well as offer, life insurance, long term care insurance and annuities based on your financial needs and goals.

401(k) Plan: A plan offered by an employer that allows employees to make contributions to a retirement savings plan on a pre-tax basis, sometimes fully or partially matching these contributions.

403(b) Plan: Similar to the 401(k) plan, but generally offered by nonprofit organizations instead of for-profit businesses. Allows employee contributions to grow on a tax-deferred basis until they are withdrawn. At withdrawal, the funds are subject to tax, like ordinary income.

457 Plan: Named in reference to the portion of the Internal Revenue Code that defines its basic rules, the 457 is a tax-exempt deferred compensation program provided to employees in state and federal governments and agencies. While similar to the 401(k) plan, the 457 plan never receives matching contributions from the employer, nor does the IRS consider it to be a qualified retirement plan.

Defined-Benefit Plan: An employer-sponsored retirement plan where employee benefits are sorted out based on a formula using factors such as salary history and duration of employment. Investment risk and portfolio management are entirely under the control of the company. There are also restrictions on when and how you can withdraw these funds without penalties. It is also known as "qualified benefit plan" or "non-qualified benefit plan."

Money-Purchase Pension Plan: A pension plan to which employers and employees make contributions based on a percentage of annual earnings, according to the terms of the plan. Upon retirement, the total pool of capital in the member's account can be used to purchase a lifetime annuity. The amount in each money-purchase plan member's account will differ from one member to the next, depending on the level of contributions and investment return earned on such contributions. It is also known as a defined contribution plan.

IRA Payroll Deduction Plan: An IRA plan in which an employer deducts a specified amount from an employee's pay and puts the funds toward their investment account. In most situations, employees enter into payroll deduction plans on a voluntary basis.

Individual Retirement Account (IRA): A retirement program that permits individuals who have earned income to save part of that income in a tax-deferred savings plan. IRAs can be created and funded any time between the first day of the current year up to and including the date on which individual income tax returns are due, usually April 15 of the following year.

Profit-Sharing Plan: A plan that gives employees a share in the profits of the company. Each employee receives a percentage of those profits based on the company's earnings. It is also known as "deferred profit-sharing plan" or "DPSP."

Roth IRA: While similar to a traditional IRA (Individual Retirement Account), the Roth IRA's contributions are not deductible. Account distributions currently may be obtained free of federal income tax if certain conditions are met.

Salary Reduction Simplified Employee Pension Plan (SARSEP): A plan offered by small companies – typically those with fewer than 25 employees – that allows employees to make pretax contributions to their Individual Retirement Accounts (IRAs) through salary reduction.

Savings Incentive Match Plan for Employees Of Small Employers (SIMPLE): A retirement plan that may be established by employers, including self-employed individuals. The employer is allowed a tax deduction for contributions made to the SIMPLE. The employer makes either matching or non-elective contributions to each eligible employee's SIMPLE IRA and employees may make salary deferral contributions.

Simplified Employee Pension (SEP): A type of retirement plan in which an IRA (Individual Retirement Account) is used to hold contributions; a simpler alternative to a 401(k) or profit-sharing plan.

Single-Employer Plan: A type of pension plan that is sponsored by one employer or a group of employers under a common control structure. It may also be a pension program that is not collectively bargained and is sponsored by a group of unrelated firms.

Exchange Traded Funds

A security that tracks an index, a commodity or a basket of assets like an index fund, but trades like a stock on an exchange. ETFs experience price changes throughout the day as they are bought and sold.

Mutual Fund

An account combining the funds of many individuals in order to invest these funds in a range of financial instruments. A financial service company usually establishes this type of account.

Index Funds

A type of mutual fund that holds bond or stock investments with the goals of matching a specific market index, such as the Standard & Poor's 500 Index (S&P 500). An index mutual fund is said to provide broad market exposure, low operating expenses and low portfolio turnover.

Life Insurance

A protection against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.

Annuities (Indexed, Fixed and Variable)

Annuity: Refers to the payments made on a periodic basis to an individual under an annuity plan. The payments are generally provided until the individual dies.

Immediate Annuity

An immediate annuity is an annuity which is purchased with a single payment and which begins to pay out right away.

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. With fixed immediate annuities, your payment from the annuity is based on a fixed interest rate. With variable immediate annuities, your payment is based on the value of the underlying investment, usually a stock and/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 important 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 of time, an entire lifetime or even for the life of a beneficiary.

Indexed Annuity

An Indexed Annuity is an annuity based on a statistical indicator, the equity market index, which provides a representation of the value of the securities, which constitute it. An index annuity is a hybrid of both fixed and variable annuities. Indices often serve as guides for a given market or industry and benchmarks against which financial or economic performance is measured. An indexed annuity can be based on the S&P, NASDAQ, or the DJIA.

The principal investment into the indexed annuity is protected from losses in the equity market, while gains add to the annuity's returns. This means that once you make a premium payment you will never have less in your indexed annuity account than your premium payment, and as the index appreciates in value, so does the Indexed annuity. Indexed annuities can be a wise investment and become a great source of additional income revenue.

Fixed Annuity: An annuity contract that provides a guaranteed minimum interest rate and a higher current interest rate for shorter time periods during a deferred annuity's accumulation phase.

Tax Deferred Annuities: A tax-deferred annuity is a contract for people who want to save on a tax-deferred basis for many years, and then convert to a payout schedule once they retire. Contrary to an immediate annuity, the tax deferred annuities do not become payable until some years after its purchase. The single premium or regular premiums are capitalized during the deferred period, then the capital is converted into an annuity.

A tax deferred annuity stipulates that payments be made to the Annuitant at a later date, such as when the annuitant reaches a certain age.

Variable Annuity: A kind of annuity contract that allows the owner to allocate the premium amount among several investments, or sub-accounts. The contract value of such a plan may vary according to the performance of these investments. Unlike other annuities, a variable annuity does not guarantee a set rate of interest or earnings, being based instead off fund performance and account averages. However, you can buy, sell and switch funds at any time without incurring taxes until you begin to withdraw your original investment and income after age 59 ½. At that time your gains are taxed as ordinary income. Transfers between your portfolios can also reduce tax burdens.

Is the platform secure?

All of the platforms we use have bank-grade security and encryption to protect your financial information. This includes secure password logins with user identity applications, data security protection and monitoring for unusual activity requests. All our partners utilize advanced firewalls to keep unauthorized parties from gaining access to your personal information, as well as anomaly detection and intrusion detection technology to alert us to unusual behavior in your account. Firewalls keep their public Web servers separate from the servers that contain your account and personal data, so they cannot be accessed directly from the Internet. Their secure web site, where you access your account information, uses 128-bit encryption on the transmission of all data between their Web site and your computer.

Why choose Integra over a big name company?

Read why choose Integra over a big name company.

What are the risks in investing?

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 future performance of any specific investment or investment strategy will be profitable. Investing in securities involves 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 is able to 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.

How accessible is my money?

Processing times for cash withdrawals from your account usually take 3-6 business days.

Does Integra Financial offer loans or credit card debt consolidation and counseling?

We recommend you discuss these needs with your bank or a reputable credit card counseling service.

Can I open up an account if I do not live in the U.S.?

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.

Do you offer tax or attorney services?

We do not offer tax or attorney services. However, we routinely work with our clients’ current CPAs and attorneys. If you do not have an existing relationship with a CPA or attorney, we can provide reputable contacts to consider.


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