Our financial advisors are all salaried employees who do not earn commission based on sales. Staff is remunerated by way of profit share annually, encouraging everyone to have a vested interest in the success of the business as a whole. Our teamwork extends to assisting each other’s clients in the event of someone being away or ill.

The person who answers your call or email is able to handle your query or will refer it to the correct person. We deal with call centres on your behalf.

Our ethos as a business is to put our clients first, and all of our planners and assistants have a track record of delivering on that promise.

We take all possible steps to protect your investment capital, personal information and rights as an investor. This includes:

• All investments are held in the nominee company of the investment firm that you contract with. Where possible (retirement funds excluded) this means that your assets do not sit on the balance sheet of the investment company, and are protected by an independent custodian. Retirement funds are subject to their own regulatory protection.
• In establishing our business, we have invested in the best possible IT infrastructure given our business requirements. We believe good technology and appropriate systems can enable our business to stay ahead of the industry. Data back-ups are stored securely offsite and password protection for any cloud-based information is closely protected.
• Both of the Integral companies are registered with the Financial Services Board as Category II FSP’s, and they are subject to monthly compliance audits by an independent compliance firm, Masthead.
• Any conflicts of interest are clearly disclosed in our Conflict of Interests register, which is available on request. In addition, any steps taken to mitigate those risks are also detailed.
• We have a Complaints Policy which is also available on request, detailing the simplest way for any aggrieved client to obtain efficient redress.
• Integral investment portfolios actively consider individual client risk when they are constructed and managed. We define risk as the permanent loss of capital, and we utilise a number of strategies including diversification, active exposure management, and a broad range of research sources and models to mitigate portfolio risk.
• We believe in full disclosure to avoid any unhappy financial surprises at a later stage. Like any happy marriage, the relationship between a client and their financial planner is based on honesty at all times.
• We would rather lose a client at engagement stage than after we have onboarded them – if the fit is not a comfortable one it is better to terminate before the relationship begins.