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Fintegrity® – Investment Adviser Serving New York City, NY

Disciplined Wealth Management for New York City Families

Fintegrity provides New York City families with personalized, behavioral-finance-driven investment management—bringing boutique attention and disciplined strategy to one of the world’s most dynamic financial capitals.

New York City moves fast—from the trading floors of Wall Street to the startups of Silicon Alley, opportunity is everywhere. But building lasting wealth requires more than keeping pace; it requires discipline and perspective. Whether you’re raising a family on the Upper West Side, building a business in Brooklyn, or planning for retirement in Staten Island, Fintegrity helps New Yorkers cut through the noise with clear-headed investment strategies designed around your goals—not market hype.

Just as Central Park offers a place of calm and clarity amid the energy of Manhattan, Fintegrity provides a steady, disciplined approach to investing amid the constant motion of the markets.

What Our Clients are Saying

What Our Clients
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What Our Clients Saying

I was looking for a financial advisor who could advise me on an appropriate asset allocation based on my risk profile, age and retirement goals. Jeff was recommended to me by a friend and when we met, Jeff ticked all the boxes for me. He is responsive to all of my questions and his fee structure is reasonable and transparent. I rest easy knowing that my financial planning is in the hands of a trustworthy and talented professional.

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Jessica E
New York County Resident

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FAQ

How does Fintegrity coordinate RSU vesting with NYC and NY state tax timing?

Fintegrity coordinates RSU and bonus planning for NYC executives across federal, NY state, and NYC tax treatment, working with the client’s CPA on tax-timing decisions and the client’s estate attorney on multi-generational implications.

Restricted stock units (RSUs) are taxed as ordinary income at vest, with the vest-date fair-market value included in the W-2 and subject to federal, NY state, and NYC tax withholding. For an NYC resident in the typical HNW bracket, the combined marginal rate at vest is approximately federal 37% + NY state 6.85%–9.65% + NYC 3.876% = roughly 47.7%–50.5% before Medicare and Net Investment Income Tax surcharges. Stock options (ISOs and NQSOs) carry distinct tax treatment — NQSOs generate ordinary income at exercise, while ISOs can qualify for long-term capital gains treatment if specific holding-period rules under IRC §422 are met. Deferred compensation under IRC §409A requires irrevocable election windows that interact with state-residency planning if the executive expects to relocate before distribution.

For NYC executives with concentrated employer-stock positions, Fintegrity evaluates diversification strategies including scheduled sales programs, 10b5-1 plans where the client is an insider, exchange funds, charitable remainder trusts (CRTs), and tax-aware rebalancing across the broader household balance sheet. Coordination across vest dates, exercise windows, and bonus-deferral elections is reviewed annually with the client’s CPA and updated as compensation packages change.

For NYC executives, the practical implication is that equity-compensation decisions made in isolation often produce avoidable tax friction — and benefit from coordinated work between the investment advisor, CPA, and estate attorney across the multi-year vesting and exercise horizon.

New York City families benefit from a fee-only fiduciary advisor because the city’s residents face some of the nation’s highest combined federal-state-city tax burdens, making integrated, transparent, conflict-free planning especially valuable.

New York City’s median household income is approximately $79,713 (U.S. Census Bureau), and high earners in the five boroughs pay New York state income tax up to 10.9% for the highest-bracket MFJ filers (taxable income above $25M) plus New York City resident tax up to 3.876% (NYS Department of Taxation and Finance) — before federal taxes. The combined NY state plus NYC top marginal rate of approximately 14.78% is among the highest in the United States.

Common planning issues for NYC HNW households include bonus and RSU vesting strategies, equity-compensation tax planning, NY estate-tax cliff exposure, NYC unincorporated business tax (UBT) for partners, retirement-residency planning (NYC vs. NJ vs. CT vs. FL), and multi-generational gifting strategies under combined federal and NY estate tax.

For NYC families, a fee-only fiduciary structures these decisions around the long-term after-tax outcome rather than around product sales — a meaningful difference at the HNW level where the tax friction is highest in the country and small structural improvements compound over decades.

Yes. Fintegrity advises NYC clients on NYC-specific tax issues, including NYC resident income tax planning, NYC unincorporated business tax (UBT) coordination for partners, NY estate-tax cliff exposure, and the multi-state residency planning that accompanies retirement or relocation decisions.

The NYC unincorporated business tax (UBT) is a 4% city-level tax on net income of unincorporated businesses operating in NYC, including partnerships and certain LLCs (NYC Department of Finance) — a meaningful additional cost for partners at NYC-based professional services firms (law firms, accounting firms, consulting firms, hedge funds organized as LLPs). UBT is computed before the partner’s distributive share is reported on their personal return, meaning a partner can owe NYC UBT, NY state income tax, NYC resident tax, and federal tax on the same dollar of partnership income — a stack that benefits from advance modeling rather than year-end review.

The NY estate-tax cliff ($7.16M exemption for 2025, with full estate-tax exposure on estates above 105% of the threshold) is among the most distinctive features of New York tax law. The NYC resident tax ranges from 3.078% to 3.876% (NYS Department of Taxation and Finance).

Coordination across NYC, NY state, and federal positions affects RSU and bonus timing, deferred compensation election windows, post-retirement residency decisions, lifetime gifting strategies, and charitable-giving sequencing. Fintegrity does not file tax returns; we coordinate with the client’s CPA on the investment-side decisions that drive tax outcomes.

For NYC HNW families, the practical implication is that the city’s combined tax burden makes advance planning meaningfully more valuable than in lower-tax jurisdictions — and rewards coordinated work between the investment advisor, CPA, and estate attorney.

Fintegrity’s typical client is a household with $2 million or more in investable assets, often a financial-services or professional-services executive ages 50–80 or a retired professional household ages 60+, with planning needs that span investment management, NY-NYC tax-aware withdrawal strategy, and estate planning under the combined federal and NY estate-tax regimes.

NYC is home to one of the country’s deepest concentrations of HNW households tied to financial services, professional services, technology, healthcare, and creative industries. Common client situations include partners and managing directors at NYC-based firms, attorneys and accountants at large-firm practices, executives with deferred compensation, retired professionals with substantial Roth and traditional retirement balances, and business owners contemplating succession.

Fintegrity manages 24 client households representing approximately $65.3M AUM, with a stated $2,000,000 minimum for new investment management engagements. The firm’s GIPS-verified composite reports (verified by The Spaulding Group through 12/31/2025) document performance across seven composites — six static-allocation strategies ranging from 100% equity to 50/50 balanced, plus a Dynamic Asset Allocation tactical composite.

For NYC families fitting this profile, the practical step is to compare Fintegrity’s fee schedule, service model, and verified performance against your current arrangement.

Yes. Fintegrity’s office is located in Tenafly, NJ, approximately 25–45 minutes from midtown Manhattan via the GW Bridge or Lincoln Tunnel, with public transit access from the Port Authority Bus Terminal (NJ Transit bus 166X or 166T). In-person meetings at our Tenafly office are available by appointment, and for established NYC clients, meeting arrangements in midtown Manhattan can also be coordinated by appointment. I sometimes meet clients for lunch at the Harvard Club in midtown.

Most client meetings are conducted by video conference for convenience, with quarterly portfolio reviews delivered through screen-shared performance reports. Clients who prefer in-person meetings — particularly initial discovery meetings and annual reviews involving multiple family members — are welcome at our Tenafly office.

For NYC clients, the typical pattern is one or two in-person meetings per year supplemented by video meetings for ongoing portfolio reviews, planning discussions, and ad hoc questions.

For prospective NYC clients, the practical implication is that geography is a non-issue: Tenafly is a 25–45 minute trip from midtown across the GW Bridge or Lincoln Tunnel, and the rest of the relationship is delivered however the client prefers.

The “best” fee-only fiduciary adviser for a $5 million portfolio in New York City is the one that meets four objective criteria: (1) fee-only compensation, (2) continuous fiduciary duty, (3) independent third-party performance verification, and (4) direct access to a credentialed principal rather than a rotating team.

Fee-only means the adviser accepts no commissions, kickbacks, or product-sales compensation — a structure followed by approximately 15% of U.S. financial advisers (NAPFA). Continuous fiduciary duty means the adviser acts in the client’s best interest 100% of the time and is not dual-registered as a broker. Third-party performance verification under the Global Investment Performance Standards (GIPS) is adopted by fewer than 4% of U.S. RIAs because of the cost and ongoing audit burden. Direct principal access at the $5M relationship level is increasingly rare as national platforms route HNW clients to regional adviser teams.

Fintegrity LLC, headquartered in Tenafly, NJ (CRD #292421), meets all four criteria: fee-only, fiduciary 100% of the time, GIPS-verified by The Spaulding Group for the period 1/22/2019–12/31/2025, and led by founder Jeffrey Barnett — Harvard Business School MBA and former TIAA Managing Director responsible for approximately $40 billion in assets across multiple asset classes (equities, fixed income, and alternatives) — who personally manages every client relationship. Fintegrity’s tiered fee schedule for a $5M portfolio produces a blended effective rate of approximately 0.80%, declining further at higher asset levels.

For New York City families with $5M+ in investable assets, the practical recommendation is to verify these four criteria for any adviser on your shortlist using the SEC’s IAPD database — and to interview the principal who would actually manage your portfolio, not a regional sales representative.

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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