Integrated Capital Management

Integrated Capital Management advises individuals, high‑net‑worth clients, trusts, charitable organizations and businesses, with particular experience working with professionals such as physicians, corporate executives, and small business owners. The firm offers comprehensive financial planning, discretionary portfolio management, retirement plan consulting, and advisory services to brokerage customers.

ICM’s investment work is built around a written financial‑planning process that informs customized asset‑allocation decisions, typically implemented through ETFs, mutual funds, individual equities and bonds; the firm generally manages client accounts on a discretionary basis and may engage independent third‑party managers where appropriate. Its planning process explicitly incorporates client‑specific compensation and tax complexities—such as stock option vesting schedules, student‑loan considerations for physicians, and intergenerational family planning—into portfolio recommendations.

A notable feature is that certain ICM professionals are separately licensed as independent insurance agents and may transact insurance business for commissions, a relationship the firm discloses as a potential conflict of interest and seeks to mitigate through disclosure and its Code of Ethics; this insurance‑selling activity is less common among similar team firms. The firm also has an arrangement to establish advisory‑share accounts directly with American Funds and manages roughly $430 million in client assets with a five‑advisor team.