Firm Overview

Integral Financial Planning LLC (“Integral”) is a fee-only comprehensive wealth management firm.  Integral’s mission is to assist our clients in making their financial goals a reality.

The name “Integral” was chosen to reflect our financial planning philosophy.  Integral is defined as all-encompassing, comprehensive and inclusive.  The Integral Approach incorporates many different perspectives, styles and methodologies into a holistic plan.  We review our clients’ entire financial situation, apply our extensive experience, and then construct a personalized plan.  Our customized strategies include the areas of cash management, investments, retirement analysis, college planning, risk management, estate planning and other financial topics identified through the comprehensive review process.

Fee-Only Compensation:
Integral adopted a fee-only financial planning approach so that we can work solely for our clients.  We are compensated only by the fees paid by our clients; we do not accept commissions or receive any other compensation for recommending specific products.  Therefore, Integral can be completely unbiased and objective in developing our recommendations.

Investment Philosophy:
Integral begins the investment planning process by requesting information on your past investing experiences, goals and timeline.  From your responses, we develop your customized asset allocation strategy considering your risk tolerance.  Wherever possible, Integral recommends no-load, low expense mutual funds.  Our preference is for you to purchase investments for a longer-term and to consistently apply your personalized allocation strategy, NOT to churn your account or attempt to time the market.

Fixed Fees:
The industry typically applies an investment management fee of 1% of assets under management (“AUM”).  However, Integral has elected to charge fees on a fixed annual fee arrangement to be more consistent with our culture of unbiased and objective advice.  More specifically, we elected NOT to charge based upon a percentage of assets as it may encourage the following: