A: Yes. Integrity Wealth Solutions serves as a fiduciary to you, which simply means that your interests must be put ahead of our own. You pay us for consultation services, which includes financial planning and asset management. Our business model is not predicated on the sale of proprietary products and we are not affiliated with any single investment company.
A: Integrity Wealth Solutions office is headquartered in the Greater Denver area. We also leverage technology to work with clients nationwide.
A: Integrity Wealth Solutions works with all types of clients in a variety of life stages such as pre-retirees, retirees, physicians, small business owners, executives, and young professionals both in the accumulation and retirement phase of life.
A: An ideal Integrity Wealth Solution client is seeking an advisory firm that provides transparent and flat fee holistic financial management and planning. While Integrity Wealth Solutions accepts clients with investable assets under $500,000, ideally our tiered flat fee structure is most attractive to those with $500,000 or more and are looking for help through the inevitable financial changes through one’s savings and spending phases of life.
A: Our philosophy revolves around building and maintaining a well-diversified portfolio and combined with active rebalancing and tax loss harvesting allows our clients to keep more of what they earn. We primarily use low-cost, tax-efficient index-based investments to build one’s custom portfolio around their individual goals. Check out our Investment Philosophy.
A: Integrity Wealth Solutions does not take custody of client assets. We have a custodial relationship with Charles Schwab who serves as the custodian for our client assets.
A: A custodian, such as Charles Schwab, offers services to independent investment advisors that include custody of securities, trade execution, clearance, and settlement of transactions. In addition, they provide monthly statements, trade confirmations, tax reporting, and online account access.
A: No. Integrity Wealth Solutions believes that insurance can be an important component to a comprehensive financial plan but not as a method of investment. As part of our financial planning process, we assess one’s needs for asset protection and transferring of risk. We do not sell insurance, or any products for that matter, which allows us to provide a completely unbiased analysis of your financial situation.
A: Integrity Wealth Solutions asset management service is a proactively managed solution. Your investments and portfolio are typically reviewed daily. This doesn’t mean that changes are made daily, weekly, or even monthly. We typically rebalance portfolio’s annually, however, in times of extreme market volatility we may rebalance more frequently.
A: At a minimum, we meet with our clients annually to discuss portfolio performance, asset allocation, rebalancing, and updates to the financial plan. Based on the client’s communication preference, we can meet more frequently, if desired. In addition, we provide a quarterly performance report and commentary, which is uploaded to our secure client portal. A cornerstone of our transparent philosophy is open communication and we also encourage to call or email with questions or thoughts.
A: Fees for asset management services are based on our tiered flat fee schedule (see “Our Fees – Asset Management”).
A: Fees are billed and deducted from managed assets quarterly in advance for the asset management service.
Financial planning fees, if applicable, are invoiced after the service is completed.
A: When assets managed are above $500,000, financial planning is included in the asset management fee. For assets managed under $500,000, financial planning is charged per project at Integrity Wealth Solutions discretion.