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About Integrated Planning Partners

Financial planning
should begin
with understanding —
not assumptions.

We built IPP to change the order of the conversation. Structure first. Solutions second.

The Founding Story

We noticed something
the industry
kept getting wrong.

Integrated Planning Partners was built around a single observation — one that took years of working with clients and advisors to fully articulate.

Financial professionals are trained to recommend solutions. Investments. Insurance. Planning strategies. Many of those solutions are excellent. But too often, they arrive before the full picture of a client's financial life has been properly understood.

Assumptions get made. And assumptions lead to missed risks, missed opportunities, and advice that doesn't fully align with what the client actually needs.

IPP was created to fix the order of the conversation. Instead of starting with solutions, we start with structure. We examine how the pieces of a financial life actually fit together — income, taxes, risk, retirement, liquidity, and long-term goals — before anything is recommended.

Only after that alignment happens do we talk about solutions. Sometimes those solutions involve advanced strategies. Sometimes they involve simple adjustments. Sometimes the best outcome is confirming that everything is already on track.

But the order matters.

Jeffrey Faine — Founder & Principal, Integrated Planning Partners
Jeffrey Faine
Founder & Principal
CLU · RICP
Integrated Planning Partners
A Message from Our Founder

I started Integrated Planning Partners because I kept seeing the same problem — not with clients, and not with other advisors, but with the order of the conversation.

Talented, well-intentioned financial professionals were arriving at client meetings with solutions already in mind. Investments. Insurance. Strategies. Many of those solutions were genuinely good ones. But they were being offered before anyone had taken the time to fully understand the client's situation — the tax exposure quietly building inside their qualified plans, the long-term care risk no one had addressed, the retirement income gap that wouldn't become visible until it was too late to solve it efficiently.

I built IPP around a different belief: that the most valuable thing we can do for a client isn't to sell them something. It's to show them something. To give them the clearest, most honest picture of their financial life they've ever seen — and then let the right solutions present themselves naturally from that understanding.

That sounds simple. In practice, it requires a different kind of discipline. It means resisting the impulse to recommend before you've truly listened. It means being willing to tell a client that their current plan is working well, even when that isn't the answer that generates revenue. And it means building frameworks rigorous enough to surface risks and opportunities that a less structured conversation would miss entirely.

StructureReview™ and IncomeArc™ are the products of that discipline — built over years of working with clients who deserved better than what the conventional planning conversation was giving them.

If you've ever walked away from a financial meeting with more products than clarity, I built this firm for you. The StructureReview™ won't pitch you anything. It will simply show you where you stand — completely, honestly, and without an agenda. What you do with that picture is entirely up to you.
Jeffrey Faine
Founder & Principal, CLU · RICP — Integrated Planning Partners
Our
Philosophy
We believe financial planning should start with listening.
Not products. Not assumptions. Not pre-built strategies.
Clients deserve clarity before recommendations.
They deserve alignment between their goals, risks, taxes, and long-term plans.
Because when the structure is right, the right solutions become obvious.
How We Work

Listen. Diagnose. Then — if needed — prescribe.

01
Listen

Every engagement begins the same way — with a genuine effort to understand what matters most to the client before any strategy is discussed. Goals, concerns, timeline, family dynamics, business interests. The full picture.

02
Diagnose

The StructureReview™ framework maps every dimension of a client's financial life — income, tax exposure, protection gaps, retirement timeline, liquidity, and legacy — into a single structured analysis. Risks are identified. Opportunities are surfaced. Blind spots are named.

03
Prescribe

Only after the structure is clear do we discuss solutions. Sometimes that means advanced planning strategies. Sometimes simple adjustments. Sometimes confirmation that the plan is already well-built. The recommendation follows the diagnosis — never the other way around.

Planning vs. Selling

The difference isn't just philosophy.
It shows up in every conversation.

The Traditional Approach
Begins with a product or strategy in mind
Assumptions fill the gaps left by incomplete discovery
Solutions are presented before structure is understood
Client perceives a sales experience
Misaligned advice creates missed risks and missed opportunities
Relationship depends on the product performing
The IPP Approach
Begins with structured discovery — no agenda
The full picture is mapped before any recommendation is made
Structure is understood first; solutions follow naturally
Client experiences clarity, not a pitch
Aligned advice surfaces real risks and real opportunities
Relationship is built on trust and transparency
Common Questions
What most people
want to know
before they start.

Straightforward answers to the questions we hear most often — about who we work with, how the process works, and what makes IPP different.

Who does IPP typically work with?
+

IPP's clients are typically pre-retirees and retirees — people with significant accumulated wealth in qualified retirement accounts who are beginning to think seriously about how that money gets distributed, taxed, and protected. Many are business owners, executives, or professionals who have done well at building wealth but haven't had a structured conversation about what happens next.

Our clients tend to be sophisticated. They're not looking to be sold a product — they're looking for someone who will genuinely examine their situation and tell them the truth about what they're exposed to and what they're missing.

What exactly is a StructureReview™ — and what does it cost?
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The StructureReview™ is a no-cost, no-obligation analysis of your complete financial situation. It typically takes 10 to 15 minutes to complete. In return, you receive a structured written summary covering your tax exposure, retirement income gaps, protection vulnerabilities, and planning priorities — delivered the same day.

There is no cost — ever. No products are sold during the process. The StructureReview™ exists to give you clarity about your situation, not to pitch you something. Whether or not you move forward with anything, the analysis is yours.

How is IPP different from a traditional financial advisor?
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Most financial advisors are trained to recommend solutions — investments, insurance, planning strategies. Many of those solutions are excellent. The problem is the order: solutions get recommended before the full picture of a client's financial life has been properly understood. Assumptions fill the gaps. And assumptions lead to missed risks and misaligned advice.

IPP reverses that order. We start with structure — a rigorous examination of how the pieces of your financial life actually fit together — before anything is recommended. The result is advice that actually aligns with your situation, not advice shaped by what the advisor happened to be selling that year.

What is IncomeArc™ and who is it designed for?
+

IncomeArc™ is IPP's proprietary four-layer retirement income architecture. It's designed for people who want retirement income that holds regardless of what markets, taxes, or life events do — income that doesn't depend on withdrawal rates staying intact or portfolios performing on schedule.

The four layers address guaranteed income, long-term care and legacy, tax elimination, and liquidity — coordinated into a single system rather than a collection of separate products. It's built for clients who have accumulated significant assets and want to ensure those assets generate reliable, tax-efficient income for the rest of their lives.

Does IPP address long-term care — and why does it matter so much?
+

Yes — and we believe long-term care is one of the most underaddressed risks in retirement planning. Nearly 70% of people who reach 65 will need some form of long-term care. Annual nursing home costs now exceed $111,000 and rise 7–9% every year. Medicare doesn't cover it. Medicaid only steps in after savings are spent down to $2,000.

Most affluent clients assume they can self-fund it — and they're probably right. But when care is funded from an IRA or 401(k), every dollar withdrawn must first survive the IRS. To net $100,000 for care, you may need to withdraw $140,000–$150,000 or more. Across a multi-year care event, that permanently eliminates decades of compounding.

The Layer 2 component of IncomeArc™ uses a Living Benefits IUL that addresses this directly — and eliminates the old "use it or lose it" objection entirely. If care is needed, the death benefit accelerates tax-free. If care is never needed, the policy builds cash value accessible as tax-free income during your lifetime, or passes as a tax-free death benefit. Nothing is wasted.

I already have a financial advisor. Can I still work with IPP?
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Absolutely. Many IPP clients have existing advisor relationships they value — and we have no interest in disrupting relationships that are working well. IPP specializes in areas that most generalist advisors don't focus on: qualified plan tax strategy, retirement income architecture, and long-term care planning using advanced structures.

In many cases, we work alongside a client's existing advisor, focusing on the specific exposures and strategies that fall outside the advisor's scope. We think of it as complementary — adding a layer of specialized analysis that most financial relationships simply don't include.

What happens after the StructureReview™?
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You receive a structured written summary of your situation — your key exposures, planning tracks, and any areas that warrant a closer look. If what you see raises questions worth exploring, we offer a follow-up conversation at no cost and with no pressure.

Some clients move forward into a deeper engagement. Some take the analysis back to their existing advisor. Some simply appreciate having a clear picture of where they stand for the first time. All of those outcomes are fine with us. The StructureReview™ is designed to give you something useful regardless of what happens next.

See what a StructureReview™
reveals about your situation.

No cost. No products. No obligation. A structured analysis of your complete financial picture — delivered the same day.

Begin Your StructureReview™ Advisor Portal