pricing & faq
Welcome to Integritas Financial.
No commissions, no products; fee only. The way it should be. The price you see is the only price you pay to IF.
We only invest in what makes the most sense for your goals. For products such as life insurance, we provide recommendations to reliable sources, but the choice is up to you.
Life is expensive; there is no need for us to make it more so.
Choose the best service for your needs.
We understand that every financial situation is unique.
That’s why we offer three distinct options tailored to meet you where you are in your financial journey. Explore the options below to see which one fits your current needs and goals.
Option 1:
Portfolio Checkup
Immediate, actionable advice to improve your financial situation.
Option 2:
Financial Planning
Guidance to build a solid financial plan while staying within your budget.
Option 3:
Wealth Management
Delegate your financial management so you can focus on your life.
Option 1: Portfolio Check-Up
Pricing:
$450 (applied to Option 2 or Option 3 if you upgrade)
Best for:
Individuals or families who want a taste of working with me and need immediate, actionable advice to improve their financial situation.
Why choose this?
If you’re just starting to think about financial planning and want a low-commitment way to see the value of working together, this is the perfect introduction.
This option includes:
A two-hour consultation
Goals review
Portfolio review
A model investment portfolio tailored to your situation
Actionable steps to implement right away
Option 2: Financial Planning
Pricing:
Starting at $5,000 (12-month commitment). Fees may increase based on complexity, such as business sale planning, multiple account management, or advanced tax strategies. We'll provide a personalized quote after discussing your needs.
Best for:
Business owners and individuals anticipating a significant wealth event, such as the sale of a business, inheritance, or other substantial liquidity event. This service is designed to help you strategically prepare for and manage a significant influx of wealth.
Why choose this?
Preparing for a significant wealth event requires careful planning. We provide comprehensive financial planning, acting as your "Family CFO," to guide you through this complex process, giving you the peace of mind you deserve.
This option includes:
Comprehensive financial planning
Actionable steps for immediate and future needs
A constant accountability partner
A Family CFO to assist with major and minor financial decisions
Peace of mind knowing your decisions are backed by data and objective insights
Confidence that every decision is intentional and aligned with your future goals
Option 3: Wealth Management
Pricing:
Fees are based on assets managed. All assets managed under this option must be held through our select custodians.
Best for:
Clients who are ready to delegate their financial management so they can focus on other areas of life. Ideal for those transitioning from business income to retirement income with accumulated assets.
Why choose this?
If you’ve accumulated significant assets and want a full-service approach to ensure your wealth is managed effectively, this option offers complete peace of mind and a strategy designed for your long-term success.
This option includes:
Comprehensive financial planning
Custom portfolio tailored to your goals
Discretionary account trading for flexibility and responsiveness
Divesting concentrated positions
Periodic rebalancing
Advanced tax strategies, including tax-loss harvesting
Risk management through strategic estate planning and mitigation
Cash flow tracking and projections
Retirement asset spend-down strategies
Asset tax location models aligned with your goals and spending needs
Some common questions we get.
THE INTEGRITAS DIFFERENCE
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Our typical clients are small business owners navigating one of the busiest and most pivotal stages of their lives. They are managing the complexities of running a business, planning for a sale or succession, and preparing for life after business ownership.
Every decision—whether it’s transitioning your business, preparing for retirement, or securing your family’s future—has financial implications that need expert guidance. Without a trusted partner, opportunities can be missed, and challenges can grow.
At Integritas Financial, we act as your financial quarterback, providing clarity and direction so you can confidently focus on what matters most. Let us handle the complexities, so you don’t have to figure it out on your own.
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In a word, fiduciary responsibility.
Registered Investment Advisory (RIA) firms are required to act in the best interests of the client.
Violation of this standard could lead to the registration of the firm being revoked, which could end the firm’s business. These are very big consequences. It’s scary to know that other types of firms are not required to adhere to this duty of care.
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CFP® certification is the gold standard for financial planners.
Similar to the requirements of the RIA, a Certified Financial Planner™ (CFP®) professional must adhere to the fiduciary standard.
If this is violated by the certificate holder, their certificate could be revoked. This can drastically impact the career prospects of the holder.
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Every investor is different. So why settle for a model portfolio?
We build unique portfolios for our investors so they can reach their goals.
Our strengths are in fundamental research and bottom-up investing (i.e. stock analysis). Therefore, we implement a diverse selection of core holdings and then customize for every investor’s needs.
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A human advisor can give you transparent and personalized financial guidance.
While robo-advisors are great for beginner investors who value digital convenience over personal service, their benefits grow thin for more seasoned investors.
If you’ve ever invested through a turbulent stock market, you know that the temptation to place trades to time the market are very real. Robo-advisors won’t talk you out of any ill-timed moves, whereas a professional human advisor can.
Moreover, robo-advisors can and do limit your investment options to their own funds or funds from companies that pay to be listed in their service. A human advisor, on the other hand, can invest in nearly any security without conflict of interest.
DISCLOSURE INFORMATION
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Our pricing is clear and our income is commission-free.
We take our fiduciary duty to you seriously by putting our money where our mouth is. Unlike other RIA’s, we never sell mutual funds or insurance products that generate commissions.
Why not? Because commissions are kickbacks that ultimately come out of your pocket via higher product expenses.
We believe that transparency is crucial to our client relationships. That’s why we make our fee-only pricing clear and easy to understand.
If we refer you to an insurance agent, we won’t receive any perks. This preserves our independence and our dedication to you and your best interests.
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Just like you, estate plans are unique.
The attorneys we work with don’t use cookie cutter plans or documents. They account for all aspects of your estate planning needs and build a fully-customized estate plan for you.
So, instead of charging a flat rate for a plan, they usually charge by the hour to account for complexities that could be found in your estate plan project.
While we don’t set the hourly rate of our attorney partners, we estimate their rate to be around $300 - $500 per hour, depending on the attorney and the services required.
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We’re a husband and wife team.
Ryan Kaysen, the founder of Integritas, is a financial planner who handles the investment management, and Katie Clemm is a seasoned attorney who is Ryan’s first choice to handle the estate planning via her separate business.
Ryan and Katie are married, which makes communicating the details of your plan is a cinch. Even though this relationship is a conflict of interest, as described in our Form ADV, we’re sure you’ll love working with us.