Integral Investment Advisors, Inc. dba Integral Wealth Management (“our firm” and “we”) is a
California corporation registered as an investment adviser under the oversight of the Securities and
Exchange Commission. Our principal place of business is located in Turlock, California. Jodi Ann
Karambela is the President of Integral Investment Advisors, Inc. which she founded in 2008. Ms.
Karambela is the majority owner and Michael Abram, Vice President and Chief Compliance Officer, is
a minority owner.
The purpose of this Brochure is to disclose the conflicts of interest associated with the investment
transactions, compensation and any other matters related to investment decisions made by our firm
or its representatives. As a fiduciary, it is our duty to always act in the client’s best interest. This is
accomplished in part by knowing our client. Our firm has established a service-oriented advisory
practice with open lines of communication for many different types of clients to help meet their
financial goals while remaining sensitive to risk tolerance and time horizons. Working with clients to
understand their investment objectives while educating them about our process, facilitates the kind
of working relationship we value.
Types of Advisory Services Offered
Investment Management:
Our firm specializes in designing diversified portfolios that illustrate a client’s financial objectives and
individual goals. Our investment style is highly customized to our client’s risk tolerance, maximizing the
preservation of capital and after-tax total return. All portfolio decisions are made in accordance with
each client’s suitability profile.
Our primary focus is providing structured portfolio management using asset allocation. We have a
strong bias towards constructing total return portfolios and have a tactical slant in sectors that have long
term growth potential. We use a “Top Down” approach when assessing portfolio weightings to take
advantage of trends in the economy, while still maintaining a diversified approach. In addition, as part
of our Investment Management service, our firm will provide financial planning on an as-needed basis
depending on a number of factors including the client’s financial condition, current situation, and future
priorities. This service is designed to assist clients in reaching their financial goals through developing
comprehensive financial plans and analyses.
Financial Planning & Consulting:
Our firm provides a variety of standalone financial planning services to help advise clients on how to
reach their financial goals through developing comprehensive financial plans and analyses. We
collaborate with clients to understand their current financial condition and future priorities. Careful
analysis is conducted that illustrates the likelihood of reaching future goals after taking various
courses of action. A recommendation is made that best balances the current and future priorities for
the client as well as the plan’s likelihood for success. Financial plans are reviewed periodically and
updated as appropriate when there are changes to a client’s financial condition and goals. Sometimes
the comprehensive nature of the plan lends itself to collaborating with a client’s estate planning
attorney or accountant on estate planning or tax planning projects.
ADV Part 2A – Firm Brochure Page 5 Integral Wealth Management
Retirement Plan Consulting:
Our firm provides retirement plan consulting services to employer plan sponsors on an ongoing
basis. Generally,
such consulting services consist of assisting employer plan sponsors in establishing,
monitoring and reviewing their company's participant-directed retirement plan. As the needs of the
plan sponsor dictate, areas of advising may include:
• Establishing an Investment Policy Statement – Our firm will assist in the development of a
statement that summarizes the investment goals and objectives along with the broad
strategies to be employed to meet the objectives.
• Investment Options – Our firm will work with the Plan Sponsor to evaluate existing
investment options and make recommendations for appropriate changes.
• Asset Allocation and Portfolio Construction – Our firm will develop strategic asset allocation
models to aid Participants in developing strategies to meet their investment objectives, time
horizon, financial situation and tolerance for risk.
• Investment Monitoring – Our firm will monitor the performance of the investments and
notify the client in the event of over/underperformance and in times of market volatility.
• Participant Education – Our firm will provide opportunities to educate plan participants
about their retirement plan offerings, different investment options, and general guidance on
allocation strategies.
In providing services for retirement plan consulting, our firm does not provide any advisory services
with respect to the following types of assets: employer securities, real estate (excluding real estate
funds and publicly traded REITS), participant loans, non-publicly traded securities or assets, other
illiquid investments, or brokerage window programs (collectively, “Excluded Assets”). All retirement
plan consulting services shall be in compliance with the applicable state laws regulating retirement
consulting services. This applies to client accounts that are retirement or other employee benefit plans
(“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If
the client accounts are part of a Plan, and our firm accepts appointment to provide services to such
accounts, our firm acknowledges its fiduciary standard within the meaning of Section 3(21) of ERISA
as designated by the Retirement Plan Consulting Agreement with respect to the provision of services
described therein.
Tailoring of Advisory Services
For Investment Management clients, our firm constructs portfolios to match each client’s unique risk
tolerance, financial objectives, and individual requirements. We believe that our approach better
enables our clients to meet their financial goals. Once an individual client’s suitability profile is
obtained, we are disciplined about rebalancing the investment portfolio. Conversely, our firm will
offer general investment advice to our Financial Planning and Retirement Plan Consulting clients.
Each Investment Management client has the opportunity to place reasonable restrictions on the types
of investments to be held in the portfolio. Restrictions on investments in certain securities or types
of securities may not be possible due to the level of difficulty this would entail in managing the
account and may result in our firm requesting the client engage with our firm on a non-discretionary
basis instead.
Participation in Wrap Fee Programs
Our firm does not offer or sponsor a wrap fee program.
ADV Part 2A – Firm Brochure Page 6 Integral Wealth Management
Regulatory Assets Under Management
Our firm manages $35,693,548 on a non-discretionary basis and $174,187,392 on a discretionary
basis as of December 31, 2022.