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You are now leaving the Strong Valley Wealth & Pension, LLC ("Strong Valley") website. By clicking on the "Schwab Alliance Access" link below you will be entering the Charles Schwab & Co., Inc. (“Schwab”) Website. Schwab is a registered broker-dealer, and is not affiliated with Strong Valley or any advisor(s) whose name(s) appears on this Website. Strong Valley is/are independently owned and operated. Schwab neither endorses nor recommends Strong Valley. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Strong Valley under which Schwab provides Strong Valley with services related to your account. Schwab does not review the Strong Valley website(s), and makes no representation regarding the content of the Website(s). The information contained in the Strong Valley website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.
This information can be downloaded in PDF format.
Integrated Partners is registered with the Securities and Exchange Commission (SEC) as an investment adviser. We are not registered as a broker‑dealer.
Brokerage and investment advisory services and fees differ, and it is important for you to understand these differences. Free and simple tools are available to research firms and financial professionals at https://www.investor.gov/CRS, which also provides educational materials for investors about broker‑dealers, investment advisers, and investing.
What Investment Services & Advice Can You Provide Me?
We offer to retail investors investment advisory services. Our services are split into three broad categories – financial planning and consulting, investment monitoring, and investment management. The offering of these services is materially limited by the information you provide to us about your investment goals, time horizon, risk tolerance, and other relevant factors.
Financial planning and consulting involve one of our financial advisors collecting important information from you about your investment time horizon, goals, risk tolerance, and other considerations. Our financial advisor then uses that information to consult with you on how to potentially achieve your financial goals and to develop a financial plan for you that may or may not be in writing. Financial planning and consulting do not include investment monitoring or investment management services, which are discussed below.
Investment monitoring is provided with respect to assets that you invest through someone other than us. Our monitoring service is limited to the investments and accounts that are managed by third‑party asset managers that we refer you to because we believe that the investment services provided by those third‑party asset managers meet your investment goals. As part of our investment monitoring service, we continue to work with you, assessing your investment goals and other criteria to evaluate whether the services of the third‑party asset manager continue to meet your investment needs. Investment monitoring does not include financial planning and consulting, discussed above, or investment management, discussed below.
Investment management involves the management of your investment assets by one of our financial advisors based on important information obtained from you about your investment timeline, goals, risk tolerance, and other considerations. Our financial advisor will manage your investments on a discretionary basis, meaning that he or she may not discuss investment changes with you before they are implemented. You can opt out of this discretionary service, in which case you retain the ultimate decision‑making authority about the purchase or sale of investments.
We do not limit our advice to proprietary investment products or a limited menu of products or types of investments, though we are the sponsor of an account program that, if chosen, invests assets according to proprietary investment models. Some investment options available through us have minimum account sizes; others do not.
For additional information, please see our most recent Disclosure Brochure, Code of Ethics, Privacy Policy, and account forms.
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The following is a description of our principal fees and costs. We are paid for our services to you.
Planning and consulting fees are assessed when you engage us or at the conclusion of the planning process. Investment monitoring and management fees are generally assessed quarterly. Some investment programs, called “wrap fee” programs, assess a fixed fee for certain administrative and operational services like trading costs. The Integrated Portfolio Models and some advisory programs developed by account custodians are wrap‑fee programs. The fees associated with wrap‑fee programs will include most transaction costs and fees to a broker‑dealer or bank that has custody of these assets and therefore are higher than typical asset‑based advisory fees.
While we must be paid for the services we provide, the fact that we are paid results in an unavoidable conflict of interest because we have an incentive to encourage you to use our services. In instances where we charge an asset‑based fee, we have an incentive to encourage you to increase the assets in your account because you will pay a larger fee relating to the higher asset level.
Other fees and costs. In addition to the fees described above, you will pay custodian fees and/or fees to the investment companies whose products you invest in (e.g., account maintenance, mutual‑fund fees, variable‑annuity fees, and other transactional or product‑level fees).
You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount you make on your investments over time. Please make sure you understand what fees and costs you are paying.
For additional information, please see our most recent Disclosure Brochure, Code of Ethics, Privacy Policy, and account forms.
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When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. For example, when you invest in one of the Integrated Portfolio Models, a fee is paid by you in excess of the management fee charged by our financial advisor. This fee is intended to cover the administrative and operational cost of maintaining the portfolio model. Since this fee is paid to us, and is in excess of the financial advisor’s fee, it creates a conflict of interest that incentivizes us to encourage you to invest in Integrated Portfolio Models. Some third parties (e.g., mutual‑fund and insurance companies) help defray the costs of financial‑advisor training and meetings. This financial support also creates a conflict of interest because it incentivizes us to recommend or sell certain investments
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Our financial advisors are independent contractors. Their primary source of revenue related to services they provide you is a percentage of the fees you pay to us. In addition, advisors may receive fee waivers, lump‑sum compensation under forgivable or repayable promissory notes, or non‑cash compensation (e.g., free or reduced‑cost training events). Some advisors are also registered representatives of an SEC‑registered broker‑dealer and/or insurance agents. Your advisor may therefore offer brokerage services, insurance services, and/or advisory services, each with different fee structures and potential conflicts of interest.
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Do you or your financial professionals have legal or disciplinary history?
No, our investment advisory firm does not have any legal or disciplinary matters to report for the Company. However, yes, some of our financial advisors do report legal or disciplinary matters that are publicly available for review through the free search tool at https://www.investor.gov/CRS. We encourage you to use this tool to research us and our professionals.
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For additional up‑to‑date information about our services, you can reach out through your financial advisor, directly at 781‑890‑3045, or via compliance@integrated‑partners.com. You may also consult:
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