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Integral Wealth Management
Integral Wealth Management was established in Turlock, California in 2008 by Jodi Karambela, a CERTIFIED FINANCIAL PLANNER® professional. The firm remains 100%...
Integral Wealth Management
Integral Wealth Management was established in Turlock, California in 2008 by Jodi Karambela, a CERTIFIED FINANCIAL PLANNER® professional. The firm remains 100% family-owned and operated, functioning as a wealth manager rather than a single-family conduit. Its initial client base was built in the Modesto-Turlock region, and it has since expanded to serve over 450 families and institutions across the Central Valley. Integral deploys client capital across a mix of asset classes including equities, bonds, and fixed income, with a particular emphasis on income-generating investments and tax-efficient strategies. The firm does not commingle assets or run pooled funds — each portfolio is managed separately, tailored to a client's risk tolerance. The investment approach combines portfolio management with comprehensive financial planning. The team includes CFA charterholder Michael Abram, who oversees investment management and compliance, and lead advisor David Epps, who focuses on estate planning for large estates. Integral also designs and administers employer-sponsored retirement plans for small businesses. The advisory team comprises eight professionals, including four CFP® designees and one CFA charterholder. The firm maintains offices in Turlock and Modesto. Community ties are deep: Jodi Karambela serves as president of the MJC Foundation, and Michael Abram is the elected City Treasurer of Turlock for the 2024–2028 term. No adjacent vehicles such as philanthropic foundations or club memberships are publicly disclosed. In 2024, Michael Abram ran a successful campaign for Turlock City Treasurer, embedding the firm's leadership into local municipal governance. The firm's architecture thrums on a family-staff model — Tim Abram leads technology and marketing, and Paulette Cooper handles bookkeeping, creating an operating structure unlike institutional asset managers. This tight integration allows Integral to maintain a referral-only growth engine driven by local attorneys and accountants, a structural moat that ties client acquisition directly to reputation rather than marketing spend.
General information
Firm type
Bank / Wealth / Trust
Year founded
2008
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Turlock
Corporate office
605 E Main Street, Turlock, CA 95380, United States
Additional offices
605 Standiford Ave Suite N, Modesto, CA 95350, United States
Principals
Jodi Karambela
Founder & President
Michael Abram
Principal & Portfolio Manager
David Epps
Lead Advisor
Sector focus
Frequently asked questions
Who runs investment decisions at Integral Wealth Management?
Jodi Karambela, the founder and president, leads client strategy, while Michael Abram, the firm's CFA charterholder and portfolio manager, is responsible for investment management, compliance, and advanced spreadsheet modeling. The firm lists no external investment committee, and Karambela's 25-year tenure in financial planning centralizes oversight in the founding team.
Does Integral Wealth Management operate as a single-family office?
No. Integral Wealth Management is a registered investment adviser serving multiple external clients — individuals, high-net-worth families, charitable organizations, and pension plans. It is 100% family-owned, but it manages third-party capital, not a single family's wealth.
How does Integral source its clients?
Integral relies primarily on referrals from local attorneys, accountants, and existing clients. The firm's website explicitly notes this referral pattern as a signal of trust and satisfaction, and the team's deep community involvement — including board seats and elected office — reinforces a local reputation-driven funnel.
What is Integral's known posture on co-investments alongside outside managers?
Integral does not co-invest or operate club deals. The firm constructs individual portfolios for each client using a mix of equities, bonds, and fixed-income instruments, and it manages employer-sponsored retirement plans for small businesses. No commingled vehicles or side-by-side co-investment structures are disclosed.
What investment stages does Integral typically target for private allocations?
Integral does not target private-company investments. Its materials describe a public-market orientation centered on portfolio management, income-generating investments, and tax-efficient investing. No venture capital, private equity, or direct-participation mandates are indicated in its regulatory disclosures.
Does Integral Wealth Management maintain a philanthropic structure?
The firm itself is not structured as a philanthropic entity, though it advises clients on charitable giving strategies. Jodi Karambela serves as president of the MJC Foundation, reflecting personal civic engagement, but no donor-advised fund or foundation is operated under the Integral brand.
How does Integral distinguish its investment management from financial planning?
Integral separates the two services explicitly: investment management balances risk and return through tailored portfolios, while financial planning uses a goal-based process that translates a client's vision into step-by-step actions covering estate strategies, tax planning, and large purchases. Both are offered in-house by the credentialed advisory team.
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