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., Fintegrity client
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
Disciplined, personalized portfolio management designed to preserve and grow family wealth through behavioral-finance-driven strategies.
- Custom portfolios for each client
- Grounded in behavioral finance
- 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: Over 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’s the difference between a fiduciary and a non-fiduciary financial advisor?
A fiduciary financial advisor is legally required to act in your best interest at all times, while a non-fiduciary advisor must only recommend products that are suitable for your situation—which may not necessarily be the best option for you.
How much does it cost to manage my portfolio?
Fintegrity’s investment management fees are calculated based on the daily value of your assets under management and are billed quarterly in arrears using a tiered fee structure:
- 1.00% annually on the first $1 million
- 0.75% annually on the next $4 million
- 0.50% annually on the next $5 million
- 0.25% annually on amounts over $10 million
- For example, a $12 million portfolio would have an effective annual fee of 0.58%.
Should I use a fee-only financial advisor or one who charges commissions?
A fee-only financial advisor is typically the better choice for investors with significant assets because this structure eliminates conflicts of interest and aligns the advisor’s compensation directly with your financial success.
What is tax-loss harvesting and how much can it save me?
Tax-loss harvesting is a strategy that involves selling investments that have declined in value to realize losses, which can then offset taxable capital gains and up to $3,000 of ordinary income annually, reducing your tax bill.
When should I hire a financial advisor instead of using a robo-advisor?
You should hire a human financial advisor when your financial situation becomes complex enough that you need personalized strategic guidance, comprehensive planning across multiple financial domains, behavioral coaching during market volatility, or coordination with other professionals like CPAs and estate attorneys—typically when you have $500,000 or more in investable assets.
Why third-party custody matters
Unlike advisors who custody assets themselves, Fintegrity never takes possession of your assets. Your investments are held at Interactive Brokers—a publicly traded, SEC-regulated custodian—in accounts bearing your name. This means:
- Independent verification of all holdings and transactions
- Protection even if Fintegrity® experiences business disruption
- Direct access to your accounts 24/7
- Fintegrity® can only send money payable to the account owner