{"id":5823,"date":"2026-01-17T08:28:38","date_gmt":"2026-01-17T08:28:38","guid":{"rendered":"https:\/\/fintegrity.com\/?page_id=5823"},"modified":"2026-06-24T20:57:21","modified_gmt":"2026-06-24T20:57:21","slug":"faqs","status":"publish","type":"page","link":"https:\/\/fintegrity.com\/?page_id=5823","title":{"rendered":"FAQs"},"content":{"rendered":"\t\t
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Fintegrity FAQs<\/h1>\t\t\t\t<\/div>\n\t\t\t\t
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Fee-Only Fiduciary Wealth Management for $2M+ Families.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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About Fintegrity<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Firm overview, mission, and what makes Fintegrity different.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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What is Fintegrity? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tFintegrity is a registered investment adviser (RIA) registered in New Jersey, New York, and Texas that serves clients throughout the United States. We provide investment management<\/a> and personalized financial planning<\/a>services to families throughout the United States investing $2 million or more.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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What makes Fintegrity different? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Fintegrity is a fee-only fiduciary RIA built around four structural commitments that distinguish us from typical advisory firms: continuous fiduciary duty on every account<\/strong>, fee-only compensation<\/strong> with no commissions or product revenue, GIPS-compliant performance independently verified by The Spaulding Group<\/strong>,<\/a> and direct access to the managing principal<\/strong> \u2014 Jeffrey Barnett, an HBS MBA and former TIAA Managing Director \u2014 for every client meeting and portfolio decision. Most RIAs satisfy one or two of these criteria; Fintegrity is built around all four.<\/p>

Fintegrity claims compliance with the Global Investment Performance Standards (GIPS\u00ae) and has been independently verified for the periods 1\/22\/2019 through 12\/31\/2025. 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. The verification report is available upon request.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Who do you typically work with? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tWe serve individuals, families, and business owners across the United States who prioritize disciplined investment strategies<\/a> and thoughtful financial planning<\/a>. Our clients typically invest more than $2 million and include retirees, corporate executives, professionals, inheritance recipients, and those navigating significant life transitions.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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Do you hold the CFA designation? What does that mean for me as a client? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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No<\/strong> \u2014 Jeffrey Barnett is not a CFA charterholder. The Chartered Financial Analyst designation is a rigorous three-exam credential designed primarily for institutional portfolio managers, research analysts, and securities-selection roles at investment banks and asset-management firms. It is a securities-analysis credential, not a fiduciary-advice credential.<\/p>

When choosing an individual advisor, it’s crucial to ensure they meet several key criteria. The person managing your money should be:<\/p>

  1. A registered investment adviser held to a fiduciary standard.<\/li>
  2. Verifiable through public regulatory records.<\/li>
  3. Accountable for a proven track record you can inspect.<\/li>
  4. Experienced in handling your specific financial situation.<\/li>
  5. Operating a practice structured to prioritize your interests above all else.<\/li><\/ol>

    Fintegrity meets all five. The firm is registered in New Jersey, New York, and Texas (CRD #292421) and Jeffrey Barnett is registered as an investment adviser representative (CRD #6924554) \u2014 both verifiable on adviserinfo.sec.gov<\/a>. Fintegrity is a fiduciary 100% of the time, is fee-only with no commissions, and claims compliance with the Global Investment Performance Standards (GIPS\u00ae) \u2014 having been independently verified by The Spaulding Group for the periods 1\/22\/2019 through 12\/31\/2025. Fewer than 4% of RIAs meet this institutional standard for performance reporting.<\/p>

    The most important question is not “what letters follow your advisor’s name?” but “can you verify their record, and is it being reported under a recognized standard?” Both answers for Fintegrity are public.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What is your account minimum? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Fintegrity’s account minimum is $2 million in investable assets. We work with a deliberately limited number of households \u2014 currently 24 \u2014 so that every client receives direct attention from Jeffrey Barnett rather than being routed to a junior associate. The minimum reflects the level of complexity, tax coordination, and ongoing planning work that makes a fiduciary relationship genuinely valuable. Households just below the threshold are welcome to reach out; we’ll have an honest conversation about fit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    Do I need to live in New Jersey to work with you? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tNo. While Fintegrity is domiciled in New Jersey, we serve clients throughout the United States. Meetings can be held virtually or in person, depending on your preference.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t
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    Fiduciary Status, Regulation & Trust<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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    How to verify Fintegrity, our fiduciary standard, and regulatory background.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    How do I verify that Fintegrity is a real, registered investment adviser? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    You can verify Fintegrity LLC directly on the SEC’s Investment Adviser Public Disclosure (IAPD) website at adviserinfo.sec.gov<\/a> by searching our CRD number, 292421<\/strong>.<\/p>

    The IAPD database is maintained by the SEC and FINRA and contains the registration status, Form ADV filings, disciplinary history, and ownership information for every state- and SEC-registered investment adviser in the United States. Every adviser representative is also searchable individually \u2014 Jeffrey Barnett’s individual CRD number is 6924554<\/strong>.<\/p>

    Fintegrity has been continuously registered since 2017<\/strong> and files its updated Form ADV Part 2A annually within 90 days of fiscal year-end, as required under Rule 204-1 of the Investment Advisers Act of 1940.<\/p>

    For prospective clients, this means you can independently verify our registration, fee schedule, disciplinary history, and ownership in under two minutes \u2014 without taking our word for any of it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What is Fintegrity's CRD number and how do I look it up? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Fintegrity’s firm CRD number is 292421, and you can look it up at adviserinfo.sec.gov\/firm\/summary\/292421<\/a>.<\/p>

    A CRD (Central Registration Depository) number is a unique identifier assigned to every registered investment adviser and broker-dealer by FINRA on behalf of the SEC and state regulators. CRD numbers never change and follow the firm for life \u2014 they are the most reliable way to verify an advisory firm’s identity, because firm names can be similar or duplicated.<\/p>

    Fintegrity has two CRD numbers you may encounter: the firm CRD #292421<\/b> (Fintegrity LLC) and the individual CRD #6924554<\/b> (Jeffrey E. Barnett, founder and managing principal). Both are searchable on IAPD and produce a free PDF report including the most recent Form ADV.<\/p>

    When evaluating any adviser, we recommend pulling the IAPD report before your first meeting \u2014 it takes 60 seconds and tells you more than most marketing pages.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    Where can I find Fintegrity\u2019s registration filings? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Fintegrity’s complete registration filings \u2014 including our Form ADV Part 2A (the firm’s “brochure”) and Form ADV Part 2B (individual adviser supplements) \u2014 are publicly available on the SEC’s Investment Adviser Public Disclosure database.<\/p>

    Go to adviserinfo.sec.gov<\/a> and search for “Fintegrity” or enter CRD number 292421<\/b><\/a> directly. The Form ADV Part 2A describes the firm’s services, fees, investment strategies, disciplinary history, and all material conflicts of interest. It is updated annually and whenever material changes occur. Clients receive a copy of the ADV at the start of the engagement and are notified of all material amendments. You may request a current copy at any time by contacting Fintegrity directly. The SEC also maintains records of any regulatory actions, arbitration awards, or customer complaints, all searchable through the same IAPD database.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    Is Fintegrity a fiduciary, and what does that mean? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Yes \u2014 Fintegrity is a fiduciary at all times, on every account, without exception, meaning we are legally required to put your interests ahead of our own.<\/p>

    The fiduciary standard under the Investment Advisers Act of 1940 is the highest legal standard of care in the financial services industry. It means Fintegrity must act in your best interest, disclose all material conflicts of interest, and never place the firm’s interests \u2014 or any third party’s interests \u2014 above yours. This standard applies continuously, not transaction-by-transaction. It is categorically different from the suitability standard that applies to broker-dealers, which only requires that a recommendation be “suitable” for a client’s general profile at the time it is made. As a registered investment adviser (RIA), Fintegrity is held to the fiduciary standard by the SEC on every decision we make for your portfolio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    Has Fintegrity ever been disciplined by the SEC or any state regulator? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    No.<\/b> Fintegrity LLC has no disciplinary history, no SEC enforcement actions, no state regulatory actions, and no client arbitration awards on its record as of the most recent Form ADV filing. You can verify this independently at adviserinfo.sec.gov\/firm\/summary\/292421<\/a>.<\/p>\n\n

    Form ADV Part 1, Item 11 requires every registered investment adviser to disclose any criminal, regulatory, civil, or self-regulatory disciplinary events for the firm and its principals. The IAPD report displays these events for ten years after they occur and is updated within 30 days of any reportable event.<\/p>\n\n

    Founder Jeffrey Barnett (CRD #6924554<\/b>) has held FINRA and\/or SEC registrations continuously since 1996<\/b> with no disciplinary disclosures across nearly three decades of regulated employment, including senior roles at TIAA where he managed approximately $40 billion<\/b> in assets across multiple asset classes (equities, fixed income, and alternatives).<\/p>\n\n

    We disclose this directly because we believe a clean regulatory record is a baseline expectation for an HNW fiduciary, not a marketing achievement \u2014 and because any prospect can verify it themselves in 60 seconds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What does it mean to be a registered investment adviser (RIA)? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    A registered investment adviser (RIA) is a firm registered with either the U.S. Securities and Exchange Commission (SEC) or one or more state securities regulators that provides investment advice to clients in exchange for compensation. RIAs are governed by the Investment Advisers Act of 1940 and are held to a fiduciary standard<\/b> \u2014 they must act in their clients’ best interest at all times.<\/p>

    This standard differs materially from the suitability standard that applies to broker-dealers. A broker-dealer must only recommend products that are “suitable” given a client’s situation; an RIA must recommend what is genuinely in the client’s best interest, even when a less profitable recommendation for the firm is the right answer for the client.<\/p>

    Fintegrity operates as a discretionary investment manager<\/b>, meaning clients authorize Fintegrity to make investment decisions on their behalf without seeking approval for each individual trade. This authority is granted through a written Investment Management Agreement that defines investment objectives, risk tolerance, and any constraints. The discretionary authority is exercised under continuous fiduciary obligation.<\/p>

    Fintegrity charges transparent, asset-based advisory fees and accepts no commissions, kickbacks, revenue-sharing, or product-sales income from any third party. This fee model aligns Fintegrity’s interests directly with client interests \u2014 the firm benefits when client portfolios grow, not when clients trade frequently or buy high-commission products. By contrast, broker-dealers earn commissions on trades and embedded product fees, and banks frequently bundle advisory services with lending and deposit products in ways that create competing revenue streams.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What disclosures should I review before becoming a client? <\/h3><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Before becoming a Fintegrity client, prospective clients should carefully review the following key disclosures:<\/p>