Integrity Wealth Associates, LLC

Many people believe that simply “having a 401(k)” means they have a retirement plan.

But there’s a big difference between having a retirement account… and having an actual retirement strategy.

A 401(k) is a tool. A retirement plan is the roadmap.

Real retirement strategy goes beyond just contributing to an account. It can include:

• Long-term projections
• Managing risk and market volatility
• Retirement income planning
• Tax-efficient strategies
• Protection planning
• Life and legacy planning
• Preparing for healthcare costs
• Creating confidence for the future

The question isn’t just: “Do I have a retirement account?”

It’s: “Do I know what my retirement will actually look like?”

Having savings is important. Having a strategy behind those savings is what makes all the difference.

A lot of people describe themselves as “conservative” with money…

So they:
• Keep too much sitting in cash
• Focus heavily on paying off low-interest debt
• Avoid investing because market swings make them uncomfortable

But often, the biggest financial risks have nothing to do with the stock market.

I regularly see families with:
• No income protection if they become disabled
• Little or no life insurance outside of work
• Liability coverage that may not fully protect their assets
• No umbrella policy
• No estate plan or basic documents in place

Being financially cautious isn’t just about avoiding investment risk — it’s about protecting the areas of life that could create the biggest financial setbacks.

TAX DAY. Don’t forget your last minute IRA contributions.

$7000 if below age 50
$8000 if above age 50

Happy Easter from all of us at Integrity Wealth Associates.

Wishing you a day of peace, reflection, and time spent with the people who matter most.

Family Risk Management Essentials:

• Adequate life & disability coverage

• Proper liability limits on property, auto &
umbrella policies

• Updated account & policy beneficiaries

• Will or trust in place

• Powers of attorney for finances & healthcare

• Medical directives documented

• Named guardians for children

Anything here to add?

Self-employed?

You’ve probably heard to open a SEP IRA — simple setup, flexible timing, and fundable at tax time.

All true.

But for many self-employed professionals, a Solo 401(k) is often the better choice.

2026 limits (under age 50):
Solo 401(k): Up to $72,000 total
SEP IRA: Up to $72,000 total

The Solo 401(k) lets you contribute as both employee (up to $24,500) and employer (up to 25% of compensation).

This gives greater flexibility, faster savings potential at many income levels, and Roth options a SEP doesn’t offer.