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.

Need help finding a great financial advisor?

Learn how to ask the very best questions to any financial advisor.


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)

Best for:
Those who know they need help building a strong financial foundation. Ideal for business owners preparing for a sale or those waiting for a financial milestone like a business exit.

Why choose this?
If you’re working toward a major financial transition and need guidance to build a solid plan while staying within your budget, this option gives you the support and accountability to succeed.

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:
Starting at $5,000 (based on assets managed)

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 over $500,000.

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

Still unsure which option is right for you?

Contact us today for a complimentary consultation to discuss your goals and determine the best path forward. We’re here to guide you at every stage of your financial journey.

Some common questions we get.

THE INTEGRITAS DIFFERENCE

  • 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.

  • 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.

  • 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.

  • 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.

  • 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

  • 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.

  • 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.

  • 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.