About Integrity Investment Advisors

Todd Moerman and Business Partners

This Is My Story 

We believe that if you hire an Advisor, they should be low-cost (under 1%), fee-only and a Fiduciary for you 100% of the time.  Get them to sign the Fiduciary Oath.  Please use the calendar below to set up a free introductory phone call.  We can review your goals/objectives, current situation, fees & expenses, potential red flags and more.  I encourage you to verify that you have a solid plan in place.  Your retirement will thank you!

Integrity Investment Advisors is a fee-only Independent Registered Investment Advisor Firm located in Fort Collins Colorado.  We serve clients nationwide. As of January 2023, we manage about $111M in client assets and another $13M in 401k consulting.  We are a low-cost and we have direct access to Dimensional Funds (DFA with no extra fees from middlmen).  Integrity was established in 2010 with the intent of becoming a fresh alternative in the financial planning industry.  Because of the Great Recession of 2008 and the financial meltdown that ensued, Wall Street and the big banks were exposed for charging high fees and lacking the commitment to put clients interest first.

Todd Moerman is the Founder and Managing Partner of Integrity Investment Advisors, LLC.  He has a degree from Miami University, Ohio in Finance and holds a AWMA designation (Accredited Wealth Management Advisor).  Todd is also 50% owner in a Colorado based tax preparation business (365 Tax Strategy). Todd spent over 20 years working in large, global companies like Xerox, GE Healthcare and Philips Healthcare.  These experiences have allowed him to see the need for changes in the Financial Services business model.

In 2021, we hired Robert (Sam) Hamilton.  Sam graduated from the University of Denver with an Accounting degree and a Masters of Accountancy.  He has also earned his Certified Financial Planner (CFP®) Certification.  Sam is currently working toward his EA (Enrolled Agent) designation for tax preparation.

Financial markets have changed, pensions plans have declined, social security and medicare are at risk and we are on the verge of a retirement crisis. Investors can no longer afford high fees, lack of transparency, lack of trust and lack of results.  We encourage you to contact us for a free 2nd opinion 303-549-4720.

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If you hire an advisor, I highly recommend that you only hire a low cost, fee only (not fee based), fiduciary advisor.  Successful investing is about Philosophy, Strategy, Process and Discipline. A big part of my job is helping clients make rational decisions about their money.  I am a teacher – I help educate clients about institutional investing and factor investing (low fees, value, small cap, high profit and momentum).  I am a bouncer – I help keep bad things out of your portfolio (high commission products, annuities, limited partnerships, non-traded securities).  I am a coach – I help clients avoid bad investing behaviors and stay on track for their long-term goals.

We also focus on Lifestyle Driven Planning.  Can your portfolio support your desired lifestyle?  What are the odds of success?  How long do you have to work?  When to take Social Security?  How do you align your portfolio with your goals and values? 

Our business is very unique. Here are some key pillars that separate us from other firms:

  1. We are fee-only, low-cost, no commissions and offer a tremendous value to our clients. Most investors at other firms are shocked by how much they are paying in hidden costs.
  2. We are a fiduciary for our clients and put their interests first. Only 15% of advisors are a fiduciary for their clients.
  3. We focus on the “science of capital markets” to build portfolios. 30 years of data driven innovation.
  4. We build institutional portfolios that are globally diversified and have tilts toward value, small cap, high profit and momentum.
  5. One of our business partners is a thought leading company called Dimensional Funds (DFA). DFA manages over $637+ billion in institutional money. They have championed the “academic approach of investing” and their research is led by several Nobel Laureates on staff.

We are a fee only financial planner in Fort Collins, Colorado.

You can also find us on Facebook at https://www.facebook.com/integrityia

Highly rated DFA advisors, fee only financial planning, find the best DFA advisor, Invest with Integrity

In 2012, Mr. Moerman earned his Accredited Wealth Management Advisor (AWMA) designation from the College for Financial Planning. This accreditation is the CFP558 curriculum and covers the below.
3/2012 – Accredited Wealth Management Advisor (AWMA) – minimum requirements include the below subject matter, passing a final exam and 16 hours of continuing education every two years. • The Asset Management Process • Investors, Policy & Change • Risk, Return & Investment Performance • Asset Allocation & Selection • Investment Strategies • Taxation of Investment Products • Investment Opportunities for an Individual’s Retirement • Investment Considerations for Small-Business Owners • Deferred Compensation & Other Benefit Plans for Key Executives • Insurance Products for Investment Clients • Estate Planning for Investment Clients • Regulatory & Ethical Issues for the Investment Professional • Risk Management & Investment Issues for High Net Worth Clients • Income Tax & Executive Benefits Planning for High Net Worth Clients • Estate Planning for High Net Worth Clients.

Why DFA

Find out why DFA may be a more optimal solution than Vanguard Funds.
Why you need a fiduciary

Fiduciary

We put your interests first!  Only 15% of Advisors are a fiduciary for their clients.  Most big banks, brokers and insurance reps are just salespeople trying to sell you product you may or may not need.

 

Service & Fees

If you believe in your gut that Wall Street and big banks keep too much of your money, we have a solution for you.  We help cut out the middlemen from the Wall Street food chain.

2nd Opinion

We offer a 100% free 2nd opinion for accounts over $500k.  We help you identify the red flags in your current portfolio.

Are Things Getting Better or Worse?

3-27-24  Here is a market update for Q1 2024.  Markets have had great returns over the last 20 weeks (since October).  Are you getting your "fair share" of returns?  We can help you. We are built for the Millionaire Next Door. Let us know how we can help. If you want...

Market Recap & Path Forward 2024

2023 was been a better than expected and 2022 was worse than expected! Are you getting your "fair share" of returns, net of fees & net of inflation?  Do you have enough invested in long-term equities? See the brief video below and find out! Sometimes the “safe”...

Don't Be Shy. Get In Touch.

If you are interested in working together, send me an inquiry and I will get back to you as soon as I can!

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Free tools & Checklists! Your Retirement will thank you!

Free & valuable information to help you maintain your lifestyle in retirement.  We cover Vanguard indexing, DFA and factor investing (value, small cap, high profit, momentum).  Free tools & market insights.

See why you may need a low-cost, fee only Advisor who is a fiduciary for you 100% of the time.

You have successfully subscribed. Thank you! Here are some free resources - Video - A note from your future self - https://youtu.be/HKMYTLyhOGU 5 Free Checklists That May Save You Thousands – Really! Countless people need help in these areas. Checklists include: end of year tax planning, funding a child's college education, caring for aging parents, items to consider before you retire, critical documents to keep on file. Please like & share with family & friends. You can download the PDFs for free. https://www.integrityia.com/5-free-checklists-that-may-save-you-thousands-really/

Todd Moerman - Integrity Investment Advisors

Subscribe To OurBlog!We help Clients retire without getting killed in taxes!

Sign up for our blog to get timely and valuable information about the markets. Free checklists!  Your retirement will thank you!

You have successfully subscribed. Thank you! Here are some free resources - Video - A note from your future self - https://youtu.be/HKMYTLyhOGU 5 Free Checklists That May Save You Thousands – Really! Countless people need help in these areas. Checklists include: end of year tax planning, funding a child's college education, caring for aging parents, items to consider before you retire, critical documents to keep on file. Please like & share with family & friends. You can download the PDFs for free. https://www.integrityia.com/5-free-checklists-that-may-save-you-thousands-really/

Todd Moerman - Integrity Investment Advisors

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