Investment Philosophy

The investment world has been turned upside down the last few years.  Static asset allocation models were dismantled and life savings were virtually wiped out.  At Integrity Wealth Management protecting your capital is our first priority.   The last decade has taught us there is a time to play both defense and offense in a portfolio.   We incorporate a strategy that both considers fundamentals of companies and the economy as well as technical analysis. The latter guides us in when we should buy or sell with the highest probability of catching the majority of a market move.    We do not seek to time the market but rather to avoid the bulk of the down cycles even at the cost of missing the initial rebound in a new bull market.  

An active asset allocation considers fundamental and technical analysis, as well as psychological factors to over or underweight equities, fixed income and cash.  Our approach to investing is to identify our clients risk tolerance and carefully consider the volatility associated with it historically.  In determining their risk tolerance we not only consider the potential percentage decline but how much this relates to in "real" dollars and the portfolio value after depreciation and fees.  This offers a more realistic view of the mental stress clients would go thru during a bear market.  Our experience in guiding many high net worth clients thru these situations has helped our clients avoid these psychological stress points i.e. panic.   Fortunately, all bear markets end and a new bull begins.

 When fundamentals in the economy and earnings improve, in addition to technical indicators turning bullish it is prudent to overweight equities, regardless of risk tolerance.   This maybe done in a variety of ways;  we utilize individual equities, ETF's, no-load mutual funds as well as managed accounts.  These are crafted to each clients preference toward the following; simplicity, tax situation and past experience.  While no two clients are the same, their desire to maintain wealth and grow a portfolio remain a constant.  Integrity Wealth Management has the experience, diversity of investment vehicles and constant focus on clients needs first to help them achieve their goals.

We serve clients as a fee only-advisor to prevent any conflict of interest.  Please call Brian if you have any questions about our firm or the range of financial products and services we provide.