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Financial Planning

Financial Planner in Bradenton & Bonita Springs, FL

Here to Pave Your Way Towards Success 

Having a trusted financial planner who can guide you through life events and help navigate your financial strategy is key to success. For 29 years, Integra Capital Advisors has helped clients plan and reach their financial goals. With offices in the Bradenton/Sarasota and Naples/Bonita Springs areas of Florida, we’ve become a source of guidance and assistance in Southwest Florida. But our reach doesn’t end there; our goal is to provide a better future for our clients and their families not only in Florida but wherever they reside across the country. 

Originally known for our investment management services, we’ve grown beyond that to offer complete financial planning, wealth management, and retirement income planning services. As a company that knows our top-ranked reviews speak for themselves, we hope our business model will suit your needs. 

What Is Financial Planning? 

Financial planning is a broad term. Essentially, it’s a plan that will map out how you will spend, invest, and utilize your funds. Our financial planners will help you define your objectives so that you can enjoy life while working towards your short and long-term financial goals. This plan will also prepare you to deal with critical financial events, the occasions in our lives that require decisions to be made. 

Why Working with a Financial Planner is Vital

Working with a financial planner has many benefits. If you desire to develop a better financial understanding of your economic habits, then a financial planner can help you take further steps as you near retirement. You’re in this for the long haul. It’s time to prepare for future events, all while paving the way for a brighter, financially sound tomorrow. With a financial planner by your side, you can expect the following:

  • A more stress-free life
  • Investments that work for you
  • Cultivating better spending and saving habits 
  • Building goals and strategies to achieve your individual and family goals 

Phases of Financial Planning

The three primary phases of financial planning include: 


A short-term financial plan extends to one year. This will take into consideration your current information, such as your income and other financial resources. Specific activities may include things like budgeting, setting up automatic investment plans, and getting started on estate planning.


Mid-term planning is a look at the next five years or so. In this phase, we start to set intermediate goals that are stepping stones to the long-term vision. This step considers your career path, future income, growth prospects, and other needs. 


Your long-term financial plan will extend past five years. Depending on your age, we could be planning for 20 – 30 years or more.  This phase focuses on big money and investment goals. Your long-term plan will have more investment and tax planning updating as your life changes along the way. 

Our Financial Planning Process

We use our Waypoint FORMula to shape our F.O.R.M. approach from the start of the process to determine and prioritize your goals.

F – is for Family

For most, family ranks as your highest priority.  Helping with educational expenses for children and grandchildren, taking the whole family on that special vacation, and planning for your legacy, all have an impact on your financial plan.

O – is for Occupation

Your dedication to your business or craft goes beyond the compensation you receive. The most successful professionals find great reward in their role as leaders, and many choose to continue to work long after the traditional retirement age. Also, after you retire, what will you do with your time? Perhaps lend your expertise to a non-profit organization or other cause close to you. Occupation creates a feeling of self-worth and confidence.

R – is for Recreation.

What do you enjoy doing with your spouse, family, friends, or perhaps by yourself when you’re not working? These activities make us happy and add to the fullness of life.

These first three – F.O.R. are the “Why” of our lives. They are why we save, why we invest, why we care. 

– is for Money.

Money is the “How” in your plan. Accumulating wealth and smart planning allows us to achieve our Family, Occupation, and Recreation dreams and goals. In terms of direct happiness, it is the least important of the four factors but is very important in providing resources for the things that make us truly happy. 

When working with you, our favorite thought is” Your Life, Your Wealth.” It helps us keep focused on the F.O.R.M. approach of putting your life’s priorities first and concentrating on how your wealth can deliver those goals. 

The Waypoint FORMula process uses our experience and state-of-the-art systems to ensure you have the eight important pillars that every sound financial plan is based on in place, depending on your personal and family situation. We’ve found that our clients may receive up to 85 different individual services or areas of the advice contained in these eight distinct pillars, all resulting in one complete process to get you to your financial and life goals.

Let Us Help You Succeed with Our Financial Planning Services 

Our financial planning process has helped our clients realize their dreams and put them on a better path to be confident and successful. If you have any questions, reach out, and you can book an appointment here. Contact us today and let us help you reach your financial goals. We look forward to helping you create a better financial future. 

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