Fintegrity's Investment Results

Fintegrity® LLC — Composite Performance Reports

100% Equity Composite Report

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Composite Description

The 100% Equity Composite includes all discretionary, fee-paying portfolios with a target allocation of 100% equities and 0% fixed income as specified in the client's investment policy statement. The composite seeks long-term capital appreciation through investment in U.S.-based common stocks predominantly selected for quality characteristics including financial strength, competitive position, and sustainable business models. Portfolios primarily invest in individual securities rather than pooled investment vehicles. The strategy does not currently and has not used exchange-traded derivatives (e.g., index options or futures), leverage or short positions.

Composite Creation Date: March 1, 2020

Material Risks: This composite carries elevated volatility risk due to 100% equity exposure with no fixed-income stabilization. Investors face full market risk during equity downturns. Concentrated positions in individual stocks increase security-specific risk. During periods of market stress, portfolios may experience significant drawdowns exceeding those of diversified market indices. As an extreme example, during the financial crisis of 2007–2009, this benchmark declined approximately 60% before recovering. Not suitable for investors with low risk tolerance or short investment horizons.

Benchmark Description

Benchmark Name: 100% RSP

The benchmark for the 100% Equity Composite consists of 100% allocation to the Invesco S&P 500 Equal Weight ETF (ticker: RSP). This benchmark provides large-cap U.S. equity exposure with equal weighting of all S&P 500 constituents rather than market-capitalization weighting.

Components: 100% Invesco S&P 500 Equal Weight ETF (RSP)

Rebalancing Process: The benchmark for this composite consists of 100% Invesco S&P 500 Equal Weight ETF (RSP). The benchmark is calculated using RSP's daily total-return series. Daily benchmark returns are chain-linked to produce longer-period benchmark returns.

Calculation Methodology: Benchmark returns reflect the total return of RSP, including reinvested dividends, net of the ETF's internal expense ratio but before any advisory fees. Benchmark returns are based on the ETF's last traded price as of the official closing market prices at the 4:00 p.m. Eastern Time close and are net of the ETF's annual expense ratio of 0.20%.

Performance Results

100% Equity Composite Annual Performance (Inception: March 1, 2020)
Year	Gross Return	Net Return	Benchmark	3Yr SD	Bench 3Yr SD	Portfolios at Year End	Dispersion	Composite Assets	Firm Assets
2025	19.4%	18.3%	11.2%	13.8%	13.8%	7	0.87%	$16,087,687	$65,282,980
2024	17.9%	16.9%	12.8%	17.5%	18.5%	6	1.48%	$10,353,213	$50,933,776
2023	26.4%	25.2%	13.7%	17.1%	18.1%	7	6.13%	$9,090,033	$42,939,622
2022	−10.2%	−11.1%	−11.6%	–	–	6	2.45%	$6,108,679	$32,128,070
2021	21.6%	20.5%	29.4%	–	–	6	N/A	$6,506,071	$25,074,037
2020 (partial)	18.6%	18.0%	26.1%	–	–	2	N/A	$1,963,184	$12,624,118

Compliance Statement

Fintegrity® LLC claims compliance with the Global Investment Performance Standards (GIPS®) and has prepared and presented this report in compliance with the GIPS standards. Fintegrity LLC has been independently verified for the periods January 22, 2019 through December 31, 2025. The verification report is available upon request.

A firm that claims compliance with the GIPS standards must establish policies and procedures for complying with all the applicable requirements of the GIPS standards. Verification provides assurance on whether the firm's policies and procedures related to composite and pooled fund maintenance, as well as the calculation, presentation, and distribution of performance, have been designed in compliance with the GIPS standards and have been implemented on a firm-wide basis. Verification does not provide assurance on the accuracy of any specific performance report.

Additional Disclosures

Policies and Procedures: Policies for valuing investments, calculating performance, and preparing GIPS reports are available upon request.

Trademark Notice: GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein.

Fee Schedule: Advisory fees are 1% annually on the first $1 million, 0.75% on the next $4 million, 0.5% on the next $5 million, and 0.25% on amounts over $10 million, paid quarterly in arrears. Actual investment management fees are used in calculating net-of-fees returns.

Internal Dispersion: Internal dispersion is calculated as the asset-weighted standard deviation of annual gross returns for all portfolios included in the composite for the entire year. Internal dispersion is not presented (N/A) when there are five or fewer portfolios in the composite for the full year.

Risk Measures: The three-year annualized standard deviation measures the volatility of the composite's gross-of-fees returns and the benchmark's returns over the preceding 36-month period. The three-year annualized standard deviation is not presented for periods when 36 monthly returns are not available.

Firm Definition: Fintegrity LLC is defined as a New Jersey-domiciled registered investment adviser managing fee-paying investment advisory portfolios that are all discretionary, except for one non-discretionary 401(k). The Firm managed approximately $65.3 million in assets across 24 client mandates as of December 31, 2025. Fintegrity is an independent firm that is not affiliated with any parent organization. More information is available at adviserinfo.sec.gov.

List of Composites: A complete list and description of all firm composites is available upon request.

Currency: Performance is reported in U.S. dollars.

Valuation: Valuations are based on daily market prices from the primary custodian, Interactive Brokers and secondary custodian, Altruist.

Calculation Methodology: Returns are calculated using a time-weighted rate of return methodology. Composite returns are asset-weighted using beginning-of-period values.

GIPS® is a registered trademark of the CFA Institute.