Grand Junction, CO Office

Integrated Benefits, Incorporated provides investment management, financial planning, and retirement plan consulting to high‑net‑worth individuals, families, trusts, estates, and businesses, and also serves employer plan sponsors. Services are offered through separate agreements for asset management, financial planning, and retirement plan consulting, with both discretionary portfolio management and non‑discretionary plan consulting engagements available.

The firm pursues a customized, primarily long‑term investment approach grounded in fundamental analysis, constructing portfolios from mutual funds, ETFs, individual equities and fixed income while retaining legacy positions where appropriate for tax or portfolio‑fit reasons. Integrated Benefits monitors accounts at least annually, rebalances or trades as needed to meet client objectives, and implements client instructions through designated custodians via an institutional custodial relationship.

A noteworthy feature is that advisory personnel also recommend and sell insurance products and may receive commissions for those sales, a potential conflict the firm discloses and addresses in its policies. The firm also provides retirement plan consulting under ERISA fiduciary designations (e.g., section 3(21) or 3(38)) and manages both discretionary individual assets and non‑discretionary plan assets, reflecting a mix of retail and institutional plan work uncommon for many firms of its size.