Integrity Financial Planning was founded on the principles of an independent, fee-only structure with a commitment to fiduciary responsibility. We always have your financial interests as our top priority and that’s not just a promise, it’s a legal responsibility we take seriously.
You see, advice is our product, in fact, it’s our only product. Our only goal is to help you succeed, reaching your potential both now and into retirement. Because we are independent, not owned by a bank, brokerage or insurance carrier, we offer the transparency, focus, and ethical commitment to successfully build your financial plan.
At Integrity Financial Planning, our planners put you first. It’s our fiduciary obligation. Our business is built around the success of our clients; no selling, no commissions. Our planners are experienced, credentialed, and able to put your needs first.
We help you manage your financial future, we become your partner. We are in this together, and you have our assurance that we will guide you effectively and efficiently, keeping you informed every step of the way.
Our principles serve as guideposts along the journey of fulfillment towards your purpose.
We have created conditions both inside and outside of our organization that empowers our clients, the industry, and our community to continuously pursue their purpose.
That's because helping others to achieve their purpose is our purpose.
“Both large and small investors should stick with low-cost index funds.” - Warren Buffett
Taxes, fees for active portfolio management, and commissions have been shown to dramatically reduce portfolio performance over time.
We believe passive, personalized portfolios provide investors the best opportunity for success.
We focus our efforts on things we can control like portfolio construction, rebalancing, and if appropriate, employing active tax-management and implementing your social values. Our commission-free and fractional-share trading capabilities allow us to build custom, passive portfolios of individual stocks and low-cost ETF’s. This allows us to actively manage taxes, fees and commission to improve your expected outcome.
Insurance is a pillar of any Financial Plan. Unfortunately, insurance products have historically been sold on a commission basis creating a conflict between the agent and the customer.
Recent innovations in product design and new regulatory guidance from the IRS have altered the landscape dramatically for the use of commission free insurance products in the financial planning process.
When you work with Integrity Financial Planning, we act as your fiduciary, and we take our responsibilities to you seriously. You can rest assured that we will help you purchase commission free, insurance and retirement income solutions that will give you peace of mind.
An insurance review can help you:
· Lower portfolio risk as you approach retirement age
· Provide dependable, guaranteed income in retirement
· Swap out of older, more expensive policies and contracts into no-load products, dramatically lowering your costs
Todd is the founding Partner of Integrity Financial Planning. With over 20yrs experience as a Fiduciary for both large national organizations and small local firms, I have seen and experienced all aspects of the delivery of advice across the Trust, Brokerage, and Registered Investment Advisor business segments. In my experience, there are two approaches to delivering advice to clients. Salespeople consider advice a product to be sold, while fiduciaries consider advice a process to be managed. We started Integrity Financial Planning to deliver comprehensive advice and a home for Fee-Only Planners and Advisors - not commissioned salespeople.
Ayco, a Goldman Sachs Company, Wealth Advisor
Ascendant Advisors, LLC, Chief Investment Officer
Compass Bank Wealth Management, EVP
Bank of America Private Bank, Sr. Portfolio Manager
Designations and Associations
I believe there's an under-served market out there looking for sound, objective advice from a qualified professional who isn't looking to sell a financial product or will only work with folks based on how much money they have to invest. That was my experience when I was looking for a financial advisor to help me with my personal finances. Now, I've spent two decades working as a financial consultant to businesses in various industries - a majority of that time has been in financial services. I now draw upon those professional and personal experiences to help clients address their unique financial concerns.
I am passionate about blockchain technology such as cryptocurrencies. I have been closely following this space since 2015, and in that short time, I have accumulated a wealth of knowledge that I enjoy sharing with clients and the general public.
Designations and Associations
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It is never too early to get started on your investment plans. Tell us more about your goals, and we will get you started on a plan to achieve them.
6750 W Loop S #725, Bellaire, TX 77401
Monday - Friday: 9am - 5pm
Saturday - Sunday: By appointment