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Investment Management

Disciplined investing that gives you clarity, confidence, and the freedom to focus on what matters most. Meet one-on-one with a Fintegrity wealth advisor — free, no obligation.

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Personalized Service

Fintegrity offers personalized investment management for families with $2–$25 million in assets. We construct portfolios of high-quality securities designed to align with your unique goals, risk tolerance, and long-term objectives.

Our patient, tax-efficient, and risk-aware management style prioritizes your financial future. As a fiduciary, we are legally bound to act in your best interest. For your security, assets are held with Interactive Brokers, a premier custodian.

Fintegrity stands apart from most RIAs by combining institutional‑level expertise with boutique, client‑focused service—grounding its philosophy in behavioral finance rather than purely academic models.

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Personalized Service

Fintegrity offers personalized investment management for families with $2–$25 million in assets. We construct portfolios of high-quality securities designed to align with your unique goals, risk tolerance, and long-term objectives.

Our patient, tax-efficient, and risk-aware management style prioritizes your financial future. As a fiduciary, we are legally bound to act in your best interest. For your security, assets are held with Interactive Brokers, a premier custodian.

Fintegrity stands apart from most RIAs by combining institutional‑level expertise with boutique, client‑focused service—grounding its philosophy in behavioral finance rather than purely academic models.

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Personalized Service

Fintegrity offers personalized investment management for families with $2–$25 million in assets. We construct portfolios of high-quality securities designed to align with your unique goals, risk tolerance, and long-term objectives.

Our patient, tax-efficient, and risk-aware management style prioritizes your financial future. As a fiduciary, we are legally bound to act in your best interest. For your security, assets are held with Interactive Brokers, a premier custodian.

Fintegrity stands apart from most RIAs by combining institutional‑level expertise with boutique, client‑focused service—grounding its philosophy in behavioral finance rather than purely academic models.

Disciplined investing that gives you clarity, confidence, and the freedom to focus on what matters most.

Fintegrity® offers personalized investment management for families with $2–$25 million in assets. We construct portfolios of high-quality securities designed to align with your unique goals, risk tolerance, and long-term objectives. Our patient, tax-efficient, and risk-aware management style prioritizes your financial future. As a fiduciary, we are legally bound to act in your best interest. For your security, assets are held with Interactive Brokers, a premier custodian. Fintegrity® stands apart from most RIAs by combining institutional‑level expertise with boutique, client‑focused service—grounding its philosophy in behavioral finance rather than purely academic models.

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Disciplined investing that gives you clarity, confidence, and the freedom to focus on what matters most.

Fintegrity® offers personalized investment management for families with $2–$25 million in assets. We construct portfolios of high-quality securities designed to align with your unique goals, risk tolerance, and long-term objectives. Our patient, tax-efficient, and risk-aware management style prioritizes your financial future. As a fiduciary, we are legally bound to act in your best interest. For your security, assets are held with Interactive Brokers, a premier custodian. Fintegrity® stands apart from most RIAs by combining institutional‑level expertise with boutique, client‑focused service—grounding its philosophy in behavioral finance rather than purely academic models.

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Our Approach

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Personalized Portfolios

We begin by understanding your goals and preferences, then craft investment strategies tailored specifically to you. Every portfolio is unique to each client.

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Philosophy

Fintegrity builds disciplined, diversified portfolios grounded in behavioral finance—recognizing that investor psychology can create opportunities beyond fundamentals. We tailor strategies to each client’s goals, rebalance with discretion, and favor high‑quality businesses and investment‑grade bonds to preserve wealth, manage risk, and achieve lasting growth.

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Disciplined Process

We focus on building patient, tax-efficient, and risk-aware portfolios. To achieve this, we emphasize individual securities from high-quality businesses with sustainable cash flows and practice prudent diversification. We primarily avoid packaged products, which allows us to be more selective in our holdings, better control taxable events, and eliminate extra costs.

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Risk Management

We balance growth with stability by diversifying across stocks, bonds, and cash equivalents as needed. We further manage risk through our careful security selection process.

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Transparency

Fees are clear, predictable, and based on assets under management.

What You Can Expect

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A discovery process to understand your goals, risk tolerance, and time horizon before any portfolio decisions are made.

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Ongoing monitoring and rebalancing to keep portfolios aligned with your plan.

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Integration of legacy holdings with attention to tax consequences.

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Direct custody with Interactive Brokers, ensuring institutional-grade execution, reporting, and live access to your account.

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Clear, informative, and responsive communication.

Schedule a 30-minute Investment Management consultation with Jeffrey Barnett.

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FAQ

Can Fintegrity manage my concentrated stock position from a former employer?

Yes. Fintegrity routinely advises clients with concentrated equity positions from former employers, including restricted stock, ISOs, NQSOs, ESPP shares, and direct holdings.

A concentrated stock position is generally defined as a single equity holding representing more than 10% of investable net worth — a level at which idiosyncratic risk meaningfully degrades portfolio Sharpe ratio. Common diversification strategies we evaluate with clients include scheduled sales programs, tax-aware rebalancing across accounts, exchange funds, charitable remainder trusts (CRTs), and 10b5-1 plans where the client is still an insider.
Because Fintegrity manages individual securities directly (not commingled mutual funds), we can integrate the concentrated position into a customized portfolio rather than forcing a sale or wrapping it in a separate account. We coordinate with the client’s CPA on capital-gains timing, AMT exposure, and Section 1202 QSBS eligibility where applicable.
For tech executives, founders, and former corporate officers, this means concentration risk can be unwound on a tax-aware schedule that preserves after-tax wealth — typically over a multi-year horizon rather than a single liquidity event.
Fintegrity performs tax-loss harvesting on individual securities throughout the year, not just at year-end, and integrates harvest activity with each client’s broader tax picture.
Tax-loss harvesting is the practice of selling securities at a loss to offset realized capital gains and up to $3,000 per year of ordinary income (IRC §1211(b)), with unused losses carried forward indefinitely. Because Fintegrity manages individual stocks, every position is independently lot-tracked at Interactive Brokers — which permits granular harvesting of specific tax lots while maintaining the same factor exposure.
We monitor positions for harvesting opportunities continuously and observe IRS wash-sale rules under §1091 by replacing harvested positions with non-substantially-identical securities for the 31-day window. Realized losses and gains are reconciled against client-provided 1099-B information and shared with the client’s CPA in advance of tax season.
For taxable accounts, this active approach typically produces meaningful tax alpha relative to a buy-and-hold ETF or mutual fund strategy — particularly in volatile markets where intra-year drawdowns create harvest opportunities that year-end-only programs miss
Yes. Fintegrity manages all of a client’s investment accounts — including taxable brokerage, traditional IRA, Roth IRA, SEP-IRA, inherited IRA, trust accounts, and 401(k) accounts where we have authority — as a single household-level strategy, with asset placement optimized across account types.
This is called asset location (distinct from asset allocation), and it can add an estimated 0.20–0.75% per year in after-tax return for taxable households (Vanguard research, 2014) by placing tax-inefficient assets (REITs, taxable bonds, high-turnover strategies) in tax-deferred accounts and tax-efficient assets (qualified-dividend equities, municipal bonds, long-term holdings) in taxable accounts.
For 401(k) plans where Fintegrity does not have direct trading authority, we provide allocation guidance integrated with the household strategy and rebalance recommendations on a defined schedule. We also coordinate Roth conversion strategies, Required Minimum Distributions (RMDs), and qualified charitable distributions (QCDs) across the entire family balance sheet.
For HNW households with five or more investment accounts across multiple custodians, this means your portfolio behaves as one coordinated strategy rather than a collection of disconnected accounts.

Disclosure

Past performance does not guarantee future results. All investments involve risk, including possible loss of principal. Registration does not imply a certain level of skill or training.

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