Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
Integrated Financial Consulting, LLC Overview
Integrated Financial Consulting, LLC is a registered investment advisory firm that offers investment advice only. The firm was founded in 2016, and it is headquartered in Airmont, NY. The mission of the firm is to provide its clients with personalized investment advice that is tailored to their specific needs and goals. One of the key features of Integrated Financial Consulting is its fee-only fee arrangement. This means that the firm does not receive commissions or compensation from third-party providers, which may create conflicts of interest. Instead, the firm charges a fee for its services, which is based on the assets under management. Integrated Financial Consulting provides a range of services to individuals and small businesses, including financial planning and portfolio management. The firm works with clients to determine their investment objectives and risk tolerance, and then creates a customized investment strategy that is designed to achieve those objectives. The firm's portfolio management services involve ongoing monitoring and rebalancing of the client's investments to ensure that they remain aligned with the client's goals.
Integrated Financial Consulting, LLC is a comprehensive financial advisory firm that serves a diverse range of clients. Whether it's individuals looking to grow and protect their wealth, or high net worth individuals that require a more specialized level of service, they have the expertise and resources necessary to meet their unique needs. They believe in providing customized solutions that are tailored to each client's specific goals and objectives. Their team of seasoned professionals is experienced in dealing with complex financial issues and is dedicated to helping clients make sound financial decisions that will benefit them in the long term. Integrated Financial Consulting, LLC has a variety of fee structures available depending on the service provided. For those seeking investment management services, they offer a percentage of AUM fee structure, which is calculated as a percentage of the assets under management. This fee structure aligns their interests with those of their clients, as their compensation is tied to the performance of the assets they manage. For other services, such as financial planning and consulting, they offer an hourly fee structure. This is ideal for clients who need occasional advice or guidance but do not require ongoing management. Finally, for clients who require more comprehensive financial planning, they offer fixed fees for specific services. This can include retirement planning, estate planning, or tax planning, among others. By providing multiple fee structures, Integrated Financial Consulting, LLC ensures that clients have flexibility in choosing the payment method that works best for them.
Typical Clients, Fee Structures & Investment Minimum
Unfortunately, the Part 2 Brochure for Integrated Financial Consulting, LLC does not mention anything about an investment minimum. Therefore, it is not possible to determine what the firm's investment minimum is from the note in their brochure. It is recommended to contact the firm directly to inquire about their investment minimums.
How This Office Can Help Cold Spring, NY Residents
Integrated Financial Consulting offers a range of services to clients in Cold Spring, NY, helping them navigate their financial situations. Many people in Cold Spring face challenges related to retirement planning, managing investments, and saving for their children's education. The team at Integrated Financial Consulting helps clients develop comprehensive financial plans that are tailored to their specific needs and goals. By working closely with each client, they are able to provide personalized advice and guidance that can help them achieve financial security and stability. Some clients in Cold Spring may also face more complex challenges, such as managing their assets in a way that minimizes their tax liability or navigating the complexities of estate planning. In these cases, Integrated Financial Consulting offers expert advice and guidance to help clients make the right decisions for their unique circumstances. Whether someone is just starting to plan for their financial future or is facing complex financial challenges, Integrated Financial Consulting is there to help them every step of the way.
Services Offered by Integrated Financial Consulting, LLC
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Integrated Financial Consulting, LLC most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
This firm has no other locations.
State Registrations
Integrated Financial Consulting, LLC is registered to service clients in the following states:
- New Jersey
- New York
Disciplinary History
Integrated Financial Consulting, LLC does not have any disclosures. Please visit it's Form ADV for more details.