Fintegrity's Investment Results

Fintegrity® LLC — Composite Performance Reports

Dynamic Asset Allocation Composite Report

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Composite Description

The Dynamic Composite includes all discretionary, fee-paying portfolios with tactical asset allocation entirely at the manager’s discretion, unconstrained by predetermined equity/fixed-income targets. The composite pursues absolute returns through opportunistic allocation across U.S.-based equities, fixed income, and cash based on market conditions and valuation assessments. Asset allocation may range from 0% to 100% in any asset class at any time. 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: May 1, 2020

Material Risks: This composite carries significant active management risk, with performance highly dependent on the manager’s tactical allocation decisions. Asset allocation can shift dramatically based on market assessment, resulting in materially different risk profiles over time. When heavily allocated to equities, the portfolio faces full market risk and volatility. Concentrated positions in individual stocks increase security-specific risk. Tactical timing decisions may prove incorrect, resulting in missed opportunities or losses. The unconstrained nature creates unpredictable volatility that may not align with investor expectations formed during different allocation regimes. Suitable only for investors comfortable with manager discretion and high risk.

Benchmark Description

Benchmark: No benchmark is presented for the Dynamic Composite.

Rationale: The Dynamic Composite is not measured against a benchmark because no broad, investable index accurately reflects its unconstrained and tactical asset allocation mandate. The composite’s allocation can range from 0% to 100% in equities, fixed income, or cash at any time based on manager discretion. Any static benchmark would misrepresent the strategy’s opportunistic and flexible nature. Performance should be evaluated based on absolute return objectives and risk-adjusted metrics rather than relative benchmark comparison.

Performance Results

Dynamic Composite Annual Performance (Inception: May 1, 2020)
Year	Gross Return	Net Return	Benchmark	3Yr SD	Bench 3Yr SD	Portfolios at Year End	Dispersion	Composite Assets	Firm Assets
2025	30.0%	28.6%	N/A	N/A	11.7%	1	N/A	$1,230,174	$65,282,980
2024	20.4%	19.1%	N/A	N/A	15.4%	1	N/A	$956,528	$50,933,776
2023	19.5%	18.2%	N/A	N/A	15.5%	1	N/A	$802,849	$42,939,622
2022	−5.6%	−6.7%	N/A	N/A	–	1	N/A	$584,446	$32,128,070
2021	16.6%	15.5%	N/A	N/A	–	1	N/A	$626,658	$25,074,037
2020 (partial)	21.2%	20.7%	N/A	N/A	–	1	N/A	$280,622	$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 over the preceding 36-month period. The three-year annualized standard deviation is not presented for periods when 36 monthly returns are not available. Benchmark standard deviation is not applicable for this composite as no benchmark is presented.

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.

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.