Our firm is dedicated to providing individuals and other types of clients with a wide array of
investment advisory services. Our firm is a Limited Liability Corporation formed in the State of
California. Our firm has been in business as an investment adviser since 2016. Our firm is wholly
owned by Stephen H. Wagner through his ownership in Integrity Wealth Advisors, Inc.
Our firm provides asset management and investment consulting services for many different types of
clients to help meet their financial goals while remaining sensitive to risk tolerance and time
horizons. As a fiduciary it is our duty to always act in the client’s best interest. This is accomplished
in part by knowing the client. Our firm has established a service-oriented advisory practice with open
lines of communication. Working with clients to understand their investment objectives while
educating them about our process, facilitates the kind of working relationship we value.
Types of Advisory Services Offered
Asset Management:
As part of our Asset Management service, a portfolio is created, consisting of individual stocks, bonds,
exchange traded funds (“ETFs”), mutual funds and other public and private securities or investments.
The client’s individual investment strategy is tailored to their specific needs and may include some or all
of the previously mentioned securities. Portfolios will be designed to meet a particular investment goal,
determined to be suitable to the client’s circumstances. Once the appropriate portfolio has been
determined, portfolios are continuously and regularly monitored, and if necessary, rebalanced based
upon the client’s individual needs, stated goals and objectives.
As a supplement to this service, we may recommend the use of certain Fee-based Variable Annuities. For
these services, the clients will enter into a separate agreement provided by the product sponsor
outlining all applicable terms and conditions.
Comprehensive Portfolio Management:
As part of our Comprehensive Portfolio Management service clients will be provided asset
management and financial planning or consulting services. This service is designed to assist clients
in meeting their financial goals through the use of a financial plan or consultation. Our firm conducts
client meetings to understand their current financial situation, existing resources, financial goals, and
tolerance for risk. Based on what is learned, an investment approach is presented to the client,
consisting of individual stocks, bonds, ETFs, mutual funds and other public and private securities or
investments. Once the appropriate portfolio has been determined, portfolios are continuously and
regularly monitored, and if necessary, rebalanced based upon the client’s individual needs, stated
goals and objectives.. Upon client request, our firm provides a summary of observations and
recommendations for the planning or consulting aspects of this service.
Financial Planning & Consulting:
Our firm provides a variety of standalone financial planning and consulting services to clients for the
management of financial resources based upon an analysis of current situation, goals, and objectives.
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Financial planning services will typically involve preparing a financial plan or rendering a financial
consultation for clients based on the client’s financial goals and objectives. Our firm may utilize
eMoney Advisor and/or Riskalize software packages when providing our financial planning services.
eMoney Advisor and Riskalize provide our clients access to an online platform that allows them to
access investment-related information and assists them reaching their financial goals and objectives.
Online access to eMoney Advisor or Riskalize Pro will typically be available to the client once we have
received all data from the client.
This planning or consulting may encompass Investment Planning, Retirement Planning, Estate
Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Cost
Segregation Study, Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance
Analysis, Lines of Credit Evaluation, or Business and Personal Financial Planning.
Written financial plans or financial consultations rendered to clients usually include general
recommendations for a course of activity
or specific actions to be taken by the clients.
Implementation of the recommendations will be at the discretion of the client. Our firm provides
clients with a summary of their financial situation, and observations for financial planning
engagements. Financial consultations are not typically accompanied by a written summary of
observations and recommendations, as the process is less formal than the planning service. Assuming
that all the information and documents requested from the client are provided promptly, plans or
consultations are typically completed within six (6) months of the client signing a contract with our
firm.
Retirement Plan Consulting:
Our firm provides retirement plan consulting services to employer plan sponsors on an ongoing
basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing,
monitoring and reviewing their company's participant-directed retirement plan. As the needs of the
plan sponsor dictate, areas of advising could include: investment options, plan structure and
participant education.
Retirement Plan Consulting services typically include:
• Establishing an Investment Policy Statement – Our firm will assist in the development a
statement that summarizes the investment goals and objectives along with the broad
strategies to be employed to meet the objectives.
• Investment Options – Our firm will work with the Plan Sponsor to evaluate existing
investment options and make recommendations for appropriate changes.
• Investment Monitoring – Our firm will monitor the performance of the investments and
notify the client in the event of over/underperformance and in times of market volatility.
In providing services for retirement plan consulting, our firm does not provide any advisory services
with respect to the following types of assets: employer securities, real estate (excluding real estate
funds and publicly/privately traded REITS), participant loans, or brokerage window programs
(collectively, “Excluded Assets”). Furthermore, we may recommend the use of various outside
custodians for our plan clients. We have no formal relationship with any of these firms, and do not
receive any direct or indirect compensation from them in exchange for our recommendations.
All retirement plan consulting services shall be in compliance with the applicable state laws
regulating retirement consulting services. This applies to client accounts that are retirement or other
employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974,
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as amended (“ERISA”). If the client accounts are part of a Plan, and our firm accept appointments to
provide services to such accounts, our firm acknowledges its fiduciary standard within the meaning
of Section 3(21) of ERISA as designated by the Retirement Plan Consulting Agreement with respect
to the provision of services described therein.
Estate Planning:
We offer Estate Planning services in conjunction with Wealth.com for our clients to assist with
general information as it applies to reviews of existing plans, gathering information needed to
provide outside firms in the creation of documents, and updating existing plans for clients. The fees
associated with estate planning related services are separate and in addition to your ongoing
financial planning or advisory fees and are disclosed in Item 5.
Tailoring of Advisory Services
Our firm offers individualized investment advice to our Comprehensive Portfolio Management
clients. General investment advice will be offered to our Financial Planning & Consulting and
Retirement Plan Consulting clients.
Each Comprehensive Portfolio Management client has the opportunity to place reasonable restrictions
on the types of investments to be held in the portfolio. Restrictions on investments in certain securities
or types of securities may not be possible due to the level of difficulty this would entail in managing
the account.
Participation in Wrap Fee Programs
Our firm does not offer or sponsor a wrap fee program.
Regulatory Assets Under Management
As of December 31, 2023, our firm has discretionary assets under management of $294,692,989 and
non-discretionary assets under management of $16,909,923.