Integral Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Integral Financial LLC is classified as an investment manager, but its brochure describes providing portfolio management services to individual clients and discloses $0 in assets under management as of 12/31/2010. The firm states that fees are negotiable and billed on a recurring basis and offers customary advisory services centered on constructing and monitoring client portfolios.
The firm’s stated approach allocates across U.S. and international equities, U.S. bonds, and cash, implementing allocations with low-cost index funds and FDIC‑insured certificates of deposit and U.S. Treasuries (with maturities staggered and not longer than twenty years); portfolios are rebalanced annually and managed with a buy‑and‑hold, low‑turnover philosophy. The brochure highlights the specific risks of bank CDs and index funds, and the firm discourages frequent trading to limit transaction costs and tax impacts.
Notably, the firm is also a registered broker‑dealer and has management persons who are registered representatives, and the brochure discloses that the firm may receive commissions and soft‑dollar benefits from broker‑dealers and evaluates broker compensation when placing trades—features that are uncommon among firms in this category. The firm’s disclosures also describe policies on personal trading, conflicts of interest and proxy voting limitations, and report prior regulatory actions against the firm’s principal, including fines and a suspension.
Client services
Expertise
Fee options
Fixed fee option available; specifics negotiated per client agreement.
0.75% to 1.25% annually (negotiable)
Clients may incur brokerage commissions and transaction fees separate from advisory fees.
Up to $450.00 per hour
Main office
10054 Pasadena Ave.
Cupertino CA 95014
Advisors at this office
1
Most active in
California
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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