Integra Financial, Inc.

Integra Financial serves individuals (including high‑net‑worth clients), small businesses, trusts, company pension plans and estates. The firm provides discretionary portfolio management through its Integra Financial Wrap Program, financial planning, ERISA 3(21) plan advisory services for qualified retirement plans, and limited consulting on targeted topics.

The firm combines fundamental and technical analysis with a generally value‑oriented approach, monitors accounts continuously and rebalances when allocations drift (15% drift threshold), and may shift to more defensive postures, including cash, under extreme market conditions. Integra also uses third‑party sub‑advisors and implements option‑based and structured products such as buffered ETFs, and the brochure discusses the specific risks and operational considerations of these derivative strategies.

Several operational and business features distinguish Integra from many peers: the brochure discloses that some investment adviser representatives are appointed insurance agents who may receive commissions, that the firm sponsors a wrap fee program, and that Item 15 was updated to disclose its use of third‑party standing letters of authorization (SLOAs) for limited custody arrangements. The firm also notes receipt of research/soft‑dollar benefits from custodians and possible expense reimbursements from a product partner (disclosed example of up to 8% reimbursement related to Zacks), matters the brochure identifies and describes as potential conflicts the firm seeks to manage.