integrityfinancialplan.com

What It Is

Integrity Financial Planning, LLC is an independent fee-only financial planning and wealth management firm in the United States, positioned for business owners, successful professionals, and high-net-worth families. It is not a payment gateway or cross-border acquiring platform; rather, it is an investment advisory firm centered on comprehensive financial planning, Personal Index Portfolios, and active tax management.

Core Capabilities

The firm emphasizes life-focused financial planning, starting with clients’ life goals and covering retirement, tax, insurance, education, estate planning, and portfolio management. On the investment side, it promotes Personal Index Portfolios, building index-like portfolios with individual stocks and ETFs while incorporating clients’ environmental, social, or faith-based preferences. Tax management is a key differentiator, including tax-loss harvesting, capital gains deferral, tax budgeting, asset location, tax-lot management, and wash-sale rule monitoring. The firm also says it reviews accounts daily to identify tax optimization and rebalancing opportunities.

Pricing and Compliance

Fee disclosure is relatively clear: a 1.0% asset management fee on the first $1 million, 0.85% on assets from $1 million to $10 million, and negotiable fees above $10 million. Clients with $500,000 or more in AUM receive financial planning at no additional cost; smaller clients can subscribe to ongoing planning services starting at $125/month. The firm states that it is fee-only, does not accept product sales commissions, and serves clients as a fiduciary. Its team holds credentials such as CFA, CPA/PFS, and CFP. However, the main content does not disclose regulatory details such as an SEC or state RIA registration number or custodial institutions.

Pros, Cons, and Best Fit

Its strengths include a transparent fee model, strong professional credentials, and broad service coverage, making it particularly suitable for U.S. high-net-worth families with complex tax situations, taxable investment accounts, and a need for customized index-based portfolios. Its limitations are that the AUM fee may be relatively high for smaller investors, and the service is heavily oriented toward the U.S. tax system and local regulations. It also does not provide payment acceptance, wallets, settlement, merchant risk control, or API integration capabilities, so it cannot be used as payment or financial infrastructure.

Access from China and Alternatives

Access from mainland China is not specified in the source material, so it should be considered unknown. Since the service involves U.S. tax matters, IRS rules, and the U.S. investment advisory framework, it has limited relevance for Chinese users who do not have U.S. assets or U.S. tax status. Alternatives include U.S. providers such as Facet Wealth, Betterment, Wealthfront, and Vanguard Personal Advisor, as well as private banking services from Chinese banks, brokerage advisory services, or independent wealth advisory firms in China.