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Overview

Services

Advisor Services

  • Financial Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
  • Pension Consulting
    • -401k
    • -403b
    • -457
  • Portfolio Management
    • -Individuals and/or Small Businesses

Funds

Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
Integrity Capital Management, LLC 13 years, 3 months Nov 2006 - Present
Integrity Capital Management, LLC 13 years, 3 months Nov 2006 - Present
Gilbert Advanced Asset Management, Inc. 5 months Jun 2006 - Nov 2006
Gilbert Advanced Asset Management, Inc. 5 months Jun 2006 - Nov 2006
LPL Financial LLC 7 years Nov 1999 - Nov 2006
Gilbert, Carrier, Maurice & Benzer, Inc. 7 years, 3 months Aug 1999 - Nov 2006

Designations & Memberships

  • Accredited Investment Fiduciary
    Designation
    Accredited Investment Fiduciary
    The Accredited Investment Fiduciary® (AIF®) designation represents a thorough knowledge of and ability to apply the fiduciary practices.
  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Joseph Bailey

A Great Little Book on Investing
Published 2013-04-30 10:42:00
The Foundation of Trust: Rules vs Values
Published 2013-04-30 10:39:01
The Foundation of Great Financial Advice
Published 2013-04-30 10:26:07
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    Why do some companies' 401k plans offer to invest in employer stock through unitized stock funds? Thanks.
    Aleksandr,It is simply a choice the fiduciaries of the plan have made. If you take the "unitized" issue out of the equation and ask why would a plan offer company stock, the company owners probably want to give their employees an easy way to invest in the company. Employees who have some skin in th...  (more)
    Answered May 2013
    Is it a good idea to invest in my company's stock?
    Amelie,A simple way of looking at this is to remember that your current income (your job) is essentially invested in your company and if you invest in your company stock for your retirement, your future income is also invested in that same company. May be a few too many eggs in the same basket rega...  (more)
    Answered May 2013
    Our 401k, has been fine until the recent notice when we were informed that there may be an additional fee charged if we choose to change funds more frequently.
    Deborah,9.6 basis points means $.96 per thousand dollars. I can't tell from the information you provided if that fee is in addition to the investment related fees or is paid out of those fees. You are getting a good feel for how complex retirement plan fees can be. This complexity is an opportunity...  (more)
    Answered Aug 2013
    Can you explain the difference between a Roth 401k and a Roth IRA and what someone should consider when deciding between the two as a primary retirement tool?
    Jenna,The differences can be summed up as 1) Access and 2) Dollars. To access a Roth 401k your employer has to have that option in your retirement plan. You can elect that option and your salary deferrals will be taken after taxes and posted to that type of account. You can split your 401k contribu...  (more)
    Answered May 2013
    I have a Roth IRA which is in a CD at a Credit Union. It has just matured. Can I transfer that money into an investment product without being taxed for the transfer.
    Louise, Yes you can transfer the money without incurring any taxes but the transfer has to be done correctly. The idea here is to transfer the money without it actually going through your hands (no checks made out to you). That is called a "Trustee to Trustee" transfer or a "Direct" transfer. The Cr...  (more)
    Answered May 2013
    After I leave my organization I want to look for an investment company to transfer my funds. Any suggestions for a LOW FEE company to transfer funds into a Roth IRA?
    Ryan, I have also dealt with a couple of retirement plan custodians who will allow a conversion from a traditional 401(k) to a Roth IRA during the transfer process. Check first and maybe save yourself a step....  (more)
    Answered Apr 2013
    My company's 401k plan wasn't listed. I am a local government employee. I have contacted our plan and haven't gotten an answer on how to look our plan up. I want to know all the fees I am paying. I am now on my third request to get this information from our plan's administrato. What is up with this
    Deborah - In regards to getting information about your plan, you have a lot of firepower you can use. Contacting the administrator and any other responsible parties you can find is a good idea. Not responding to your requests indicates the plan is not being well cared for. As a last resort, call the...  (more)
    Answered Jul 2013
    How can I make a correction on the Advisor information. Is there a phone number I can call to speak to someone?
    Paula, You have to correct this information yourself by updating the U4 through the IARD system. We had the same problem, submitted a corrected filing and are now waiting for Brightscope to reflect the changes. Brightscope is a downstream aggregator and presenter of information so they can't fix the...  (more)
    Answered Apr 2013
    Before I will sit down with an advisor I always ask if he/she would show me 5yrs of their personal investment statments. If they will not or can't provide them I will not waste anymore of their time. I figure that if I'm to let them choose how to invest my money I should know how they invest their
    Ray,I assume you are wanting to know if I eat my own cooking. I do and I'm happy to show you the statements. Rich, however makes a host of good points and I agree with all of those points. In addition your portfolio will be unique due to its size. Some investment vehicles are not available in small...  (more)
    Answered Jul 2013
    Can I move my balance from my employer's 401k to a traditional IRA?
    Margaret,To exit the plan while you are still employed your plan must allow an in-service distribution. To qualify you typically have to be over age 59.5. Your Summary Plan Description will describe this feature if it is in place.Your understanding of avoiding withholding is generally correct. If ...  (more)
    Answered Jul 2013
    As a plan administrator, how much Fiduciary responsibility do I have above and beyond obtaining a plan financial adviser and following their recommendations?
    Angela,As the plan administrator (and maybe the sponsor) you have quite a bit of fiduciary responsibility and liability. You can delegate that responsibility to a competent professional and thus transfer the liability to them. You will always retain the responsibility to monitor the professional to...  (more)
    Answered Jul 2013
    I have my 403b with Fidelity, and am 60 years old. I am starting a 70% work week soon, probably for the next 2-4 yrs. Fidelity is after me to put the bulk of my funds (close to $500K) into their fidelity portfolio advisory services, and have a personal?
    Katherine,Your question cuts to the heart of one of the main problems with our profession. The problem is that it is not clear what role the financial advisor is playing. You probably assume the Fidelity advisor assigned to your account is working on your behalf and places your interests above all ...  (more)
    Answered May 2013
    My wife has a 401(k) account with her employer. It has about $900,000.00 in it. I see her employer has a Roth 401(k) available. Would it be prudent to convert her current account to the Roth 401(k) or just open a Roth 401(k) for her last few years?
    You have asked one of the most complex questions in financial planning. Find a local Certified Financial Planner and let them help you make this decision. It will not only involve income tax decisions but could also involve estate planning and asset transfer issues. The Roth IRA and Roth 401k are ve...  (more)
    Answered Jul 2013
    I have a 401k plan with AON , I would like to keep my account there and have an outside advisor manage it without moving it from the company , is this permissible ?
    Just to add a little more information... The plan may not allow an outside advisor to manage the account for you. This is called taking discretionary management authority and the plan sponsor accepts some liability by allowing that to happen. For this to have any value to you within the plan, there ...  (more)
    Answered May 2013
    What is a "RIA" firm ?
    Robert,"RIA" stands for registered investment advisory or advisor. It means the firm is registered either with the Securities and Exchange Commission or with the state's investment advisor regulators depending on how much money they have under management. The statue that governs RIAs is the Investm...  (more)
    Answered Oct 2013
    Hello, Am I eligible to get the 401 K benefits from the Company's 401K assests?
    Narasimha - The previous answers exhaust the possibilities of why you are getting information from the plan. Just give the administrator and call and see what gives! Good luck....  (more)
    Answered Dec 2013
    If I want to withdraw money from my 401K from the account where I no longer work, must I rollover the 401K into an IRA?
    Peter,I will only add a comment to the previous answers as they are all correct. 401ks are built to put money in and not to take money out. It is usually very expensive to make withdrawals. IRAs are much better for taking periodic or regular withdrawals. Yet another reason for a rollover or direct ...  (more)
    Answered Aug 2013
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        None
      • as of date
        Oct 28, 2019
      FINRA
      FINRA
      • license status
        Not registered
      • disclosures
        None
      • as of date
        Apr 18, 2016
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      Integrity Capital Management LLC

      Last updated on March 29, 2019
        • $153.6M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 394
          Accounts
        • $389.8K
          Estimated Average Account Balance

      Fees

      Fee Only Advisor
      $
      This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

      Types of Compensation Arrangements