# Integrity Financial Strategies

Integrity Financial Strategies is an Asset Manager based in United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** United States
- **Region:** North America
- **Assets under management:** Undisclosed
- **Website:** integrityfinancialstrategies.com

## Regulatory record

- **CRD number:** 311481
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/311481

## About

INTEGRITY FINANCIAL STRATEGIES is a state-registered investment adviser with $24 million in regulatory assets under management. The firm has 2 employees and 2 investment advisers. It operates with a small team.

## Questions

### Is Integrity Financial Strategies a fiduciary, and what does that require of the firm?

As a registered investment advisor, the firm operates under the Investment Advisers Act of 1940, which imposes a fiduciary duty to act in clients' best interests. This means the advisor must disclose conflicts of interest, provide advice that places the client's needs above the firm's financial incentives, and document the rationale for its recommendations. For an insurance-focused RIA, this requirement is especially relevant because commission-based product sales can create an inherent tension with fiduciary obligations.

### How does the firm earn revenue, and what conflicts does that model potentially create?

The firm primarily earns commissions from insurance carriers when clients purchase annuities or life-insurance products through its advisory channel. This structure is distinct from fee-only RIAs that charge a percentage of assets under management or fixed retainer fees. The commission model means the advisor has a financial incentive to recommend products, even when suitable, which requires heightened disclosure and documentation under the firm's fiduciary standard.

### What investment products does Integrity Financial Strategies typically recommend?

The firm's advisory work centers on fixed-indexed annuities, variable annuities with guaranteed lifetime withdrawal benefits, and permanent life-insurance contracts with cash-value accumulation features. These products are structured to provide protected principal, tax-deferred growth, and contractual income streams in retirement. They do not involve direct management of equity or bond portfolios in the traditional asset-management sense.

### How does Integrity Financial Strategies differ from a pure insurance agency?

While a traditional insurance agent operates under a suitability standard, which requires only that a product fit a client's stated needs at the point of sale, the firm's RIA registration imposes a higher fiduciary standard. This means product recommendations must be demonstrably in the client's best interest, with documented analysis supporting that conclusion. The distinction is regulatory: the firm has chosen a compliance framework that subjects insurance sales to ongoing fiduciary obligations beyond the point of transaction.

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Last updated: 2026-06-03T20:00:00.000Z

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