Fiduciary Wealth Management for Families Investing $2 Million+
Fintegrity delivers custom portfolios of individual securities, proactive tax strategies, and integrated planning – without delegating your relationship to junior staff.
Meet one-on-one with your Fintegrity wealth advisor — free, no obligation.
— John R., Client of Fintegrity.
John R. is a current Fintegrity client who provided this testimonial voluntarily and was not compensated in any way. We are not aware of any material conflicts of interest related to this testimonial. This testimonial may not be representative of the experience of other clients and is not a guarantee of future performance or success.
Investment Composites Performance Summary
Results through December 31, 2025
Four of Fintegrity’s seven composites are shown below: those with at least three years of track record. The 90/10 Equity / Fixed Income composite (inception 2024) and the 70/30 Equity / Fixed Income composite (current inception December 1, 2023) are presented in full in the linked GIPS Composite Reports. View the full GIPS Composite Reports — annual performance, benchmarks, and disclosures for all seven Fintegrity composites →
Composite: Fintegrity’s net-of-fees composite return for the period. Benchmark: The composite’s blended benchmark return for the period. Difference vs. Benchmark: Composite return minus benchmark return; positive numbers indicate outperformance, negative numbers indicate underperformance.
Pure Equity Growth
100/0
2025 NET RETURN
5-YR AVG*
SINCE INCEPTION*
03/01/2020
Fintegrity composite
Net of fees
18.34%
13.14%
14.36%
Benchmark
100% RSP
11.20%
10.28%
13.14%
Difference vs. Benchmark
Composite minus benchmark
+7.14%
+2.86%
+1.22%
*Average annual return net of Fintegrity’s advisory fees. Past performance does not guarantee future results.
Growth with Income
80/20
2025 NET RETURN
5-YR AVG*
SINCE INCEPTION*
10/21/2020
Fintegrity composite
Net of fees
13.25%
10.54%
12.46%
Benchmark
80% RSP / 20% AGG
10.64%
8.28%
10.17%
Difference vs. Benchmark
Composite minus benchmark
+2.61%
+2.26%
+2.29%
Common Retirement Allocation
60/40
2025 NET RETURN
5-YR AVG*
SINCE INCEPTION*
02/01/2019
Fintegrity composite
Net of fees
12.73%
9.73%
10.66%
Benchmark
60% RSP / 40% AGG
9.95%
6.21%
8.21%
Difference vs. Benchmark
Composite minus benchmark
+2.78%
+3.52%
+2.45%
Balanced
50/50
2025 NET RETURN
5-YR AVG*
SINCE INCEPTION*
11/01/2019
Fintegrity composite
Net of fees
12.23%
6.31%
7.45%
Benchmark
50% RSP / 50% AGG
9.56%
5.15%
6.61%
Difference vs. Benchmark
Composite minus benchmark
+2.67%
+1.16%
+0.84%
DISCRETIONARY AUM
$65.3M
CLIENT HOUSEHOLDS
24
REGISTERED ADVISOR
CRD #292421
*Average Annual Net Return
The summary above shows how selected Fintegrity investment strategy composites have performed through December 31, 2025. All returns shown are net of advisory fees, and are in USD. These are historical, composite results (not any one client’s account) and do not guarantee future performance. Past performance is not indicative of future results.
Benchmarks: RSP = Invesco S&P 500 Equal Weight ETF (large-cap U.S. equities). AGG = iShares Core U.S. Aggregate Bond ETF (U.S. investment-grade bonds). Blended benchmarks are rebalanced daily to each composite’s target allocation.
Choosing a Financial Advisor
We specialize in serving families with more than $2 million in assets who value independence, transparency, and disciplined financial management. As a fiduciary, fee-only advisor, our guidance is always unbiased and solely in your best interest, free from commissions or product-based compensation. Your assets are securely held in your name with Interactive Brokers, ensuring institutional-grade execution and independent reporting.
Every client receives a meticulously crafted, personalized investment strategy designed to achieve their long-term goals. You will work directly with Jeffrey Barnett, a highly experienced financial advisor, guaranteeing a consistent, expert partnership without ever being passed to a junior associate. For more about Fintegrity, please visit our Firm Facts page here.
What We Do
Investment Management:
Customized portfolios of individual securities; disciplined risk management
Tax Optimization:
Loss harvesting, asset location, charitable strategies
Retirement Income:
Cash-flow mapping, withdrawal sequencing, Social Security optimization
Comprehensive Planning:
Estate coordination, concentrated-stock strategies, equity compensation
How We Help
Investment Management
- Custom portfolios for each client
- Grounded in behavioral finance
- More than 30 years of institutional experience
- Fee-only fiduciary transparency
- Tax-efficient, risk-aware strategies
Financial Planning
Comprehensive, fiduciary financial planning that transforms complex wealth decisions into clarity, confidence, and peace of mind.
Structured six-step planning process
- Focus on retirement, tax, estate goals
- 100% client-first fiduciary model
- Collaboration with legal and tax advisors
- Flexible project or ongoing options
Who We Serve
Retirees seeking reliable monthly income while growing their investment portfolio
Families who value direct access to one seasoned adviser and fully personalized guidance
Clients seeking tax efficiency, clarity, and continuity for surviving family members
Why Fintegrity?
Expertise: More than 30 years of experience, $40B portfolio leadership at TIAA, Harvard MBA.
Authority: Founded and manages Fintegrity, a registered investment adviser serving 24 high-net-worth families throughout the U.S.
Experience: Leadership roles at Fintegrity, TIAA, JPMorgan, and M&T Bank.
Trustworthiness: Fiduciary, fee-only compensation, highly favorable client reviews.
Where We Serve
Hear from Our Clients
A Partner Who Actually Listens to Our Family
“It's more than we could have hoped for, and it's better than that, because I am learning, as well as enjoying, as well as benefiting from our relationship with Fintegrity”
— John R., Client of Fintegrity.
Schedule a 30-minute introduction with Jeffrey Barnett.
FAQ
What is the difference between a fiduciary financial advisor and a non-fiduciary advisor?
A fiduciary financial advisor is legally required to act in your best interest at all times, including disclosing every conflict of interest and recommending the most appropriate solution — not simply a suitable one. That is the highest standard of care in the industry.
A non-fiduciary advisor (typically a broker or registered representative) operates under the SEC’s Regulation Best Interest (a misnomer) which permits recommendations that are “suitable” but may pay the advisor more than equally-suitable alternatives.
In practice, the standard determines how recommendations are made and how the advisor is paid. A fiduciary registered investment adviser (RIA) such as Fintegrity is paid only by the client, charges a transparent percentage of assets, and is held to the highest standard in the industry. A non-fiduciary broker is paid by product manufacturers through commissions, 12b-1 fees, revenue-sharing, and markups embedded in spreads — compensation a typical client does not see on a statement.
Fintegrity LLC (CRD #292421) is a fiduciary on 100% of client accounts, 100% of the time, with no brokerage affiliation, no commission revenue, and no third-party product compensation.
See the full FAQ entry: Is Fintegrity a fiduciary, and what does that mean?
Is a fee-only financial advisor better than one who earns commissions?
For households investing $2 million or more, a fee-only financial advisor is typically the better structural choice because compensation comes exclusively from the client and never from product manufacturers. There are no commissions, 12b-1 fees, revenue-sharing arrangements, or product-placement payments that could distort the recommendations you receive.
A commission-based or “fee-based” advisor is paid by both the client and by third parties. The same advisor may charge an advisory fee on one account and earn commissions on products sold to you in another. The Department of Labor and the SEC have both documented that this dual structure creates conflicts that are difficult to eliminate through disclosure alone.
Fintegrity is fee-only. The firm’s only revenue source is a transparent percentage of assets under management, billed quarterly in arrears, with discounted fees at $1M, $5M, and $10M so the effective rate declines as a portfolio grows.
See the full FAQ entry: What’s the difference between a fee-only and a fee-based financial adviser?
Why does third-party custody matter when choosing a financial advisor?
Third-party custody means your assets are held by an independent, regulated custodian — not by the advisor managing them. It is one of the most important structural protections an investor can verify, because it makes Madoff-style frauds essentially impossible: the advisor can place trades and bill fees, but never touches the assets.
At Fintegrity, client assets are typically custodied at Interactive Brokers LLC, a publicly traded, SEC-registered broker-dealer regulated by FINRA and a member of SIPC. Every account is held in the client’s own name. This structure provides four concrete protections:
- Independent verification. Every holding and every transaction is reported directly to the client by Interactive Brokers, so client statements can be reconciled against an independent source rather than the adviser’s own books.
- Continuity if the advisor is disrupted. If Fintegrity ever became unable to operate, client assets remain at Interactive Brokers and remain accessible to the client — the advisor is not in the chain of custody.
- Direct client access. Each client can log in to Interactive Brokers 24/7 to view positions, transactions, and statements, and can move money out at any time.
- Outbound payment controls. Fintegrity’s authority is limited to trading and to debiting its quarterly advisory fee; all other outbound payments must be made payable to the account owner and sent to a pre-verified address or bank account.
The arrangement is governed by SEC Custody Rule 206(4)-2, which requires that if Fintegrity has custody over client accounts, the firm must be examined annually in surprise visits by an independent public accountant.
Related FAQ entries: Where will my assets be held? · What is Interactive Brokers’ role as custodian? · How do I verify Fintegrity is a registered investment adviser?
How much does a fee-only financial advisor cost for a $2M–$20M portfolio?
- 1.00% annually on the first $1 million
- 0.75% annually on the next $4 million ($1M–$5M)
- 0.50% annually on the next $5 million ($5M–$10M)
- 0.25% annually on assets above $10 million
Portfolio size
Annual fee
Effective rate
For a high-net-worth household, the all-in cost is typically the advisory fee plus custodian charges — and custodian charges at Interactive Brokers, where Fintegrity custodies client assets, are negligible on individual stocks and bonds. Industry research has estimated that comparable wrap-fee programs at wirehouses average roughly 1.95% all-in, so a $5 million household working with Fintegrity often pays meaningfully less in total than at a typical wirehouse program.
Related FAQ entries: How are fees calculated and billed? · What is the all-in cost of working with Fintegrity? · Will my fees decrease over time as my portfolio grows?
When should I hire a human financial advisor instead of using a robo-advisor?
Hire a human financial advisor when your situation is too complex, too tax-sensitive, or too high-stakes for an automated platform. Robo-advisors do one thing well — they rebalance a low-cost ETF portfolio inside a single tax wrapper — but they cannot coordinate across the issues that actually move the needle for a $2 million-plus household.
The decision usually turns on five complexity drivers, any one of which makes a human fiduciary the right answer:
- Asset complexity — concentrated single-stock positions, restricted stock, restricted stock units (RSUs), incentive stock options (ISOs), private investments, or inherited assets that need disposition planning.
- Tax complexity — multi-state filings, Alternative Minimum Tax (AMT) exposure, large realized gains, Roth-conversion planning, or coordination with a certified public accountant (CPA) on entity returns.
- Estate and family complexity — trusts, gifting strategies, beneficiary coordination across multiple accounts, blended families, and multi-generational wealth transfer.
- Income and cash-flow complexity — retirement spending across taxable, IRA, Roth, and HSA accounts; required minimum distributions; concentrated equity compensation cash flows.
- Behavioral risk — access to a fiduciary in 2008, 2020, and 2022 was statistically the most valuable thing a high-net-worth household could have. A robo-advisor will not pick up the phone in a drawdown.
Households investing $2 million or more typically face several of these drivers simultaneously. That is the threshold Fintegrity is built around, and the firm coordinates directly with each client’s existing CPA and estate attorney rather than replacing them.
What is tax-loss harvesting and how much can it save a high-net-worth investor?
Tax-loss harvesting is the practice of selling investments that have declined in value to realize a capital loss, then using that loss to offset realized capital gains and up to $3,000 of ordinary income per year under IRS rules. Unused losses carry forward indefinitely. The strategy is most powerful when applied to a portfolio of individual stocks and bonds, where a manager can harvest losses on specific positions without disturbing the overall asset allocation.
For a $5 million portfolio in a taxable account, disciplined tax-loss harvesting can typically generate $15,000 to $50,000 in realized losses in a normal year and substantially more in volatile years — losses that directly reduce a client’s federal and state tax bill. The exact dollar value depends on the client’s marginal rate, state of residence, and the magnitude of offsetting gains; results vary, and past harvesting opportunities do not predict future ones.
Two rules govern execution. The IRS wash-sale rule disallows the loss if a “substantially identical” security is repurchased within 30 days; harvesting must therefore be coordinated with replacement positions that maintain the portfolio’s risk profile without triggering the rule. And losses are only useful to the extent the household has gains or ordinary income to offset, which is why harvesting decisions are made in coordination with the client’s CPA.
Because Fintegrity builds portfolios primarily out of individual securities rather than mutual funds, the firm has position-level visibility every trading day and can act on harvesting opportunities as they appear rather than waiting for a fund manager to do it inside a pooled vehicle.