Business Details
18 Years
experience
Your Trusted Financial Advisers in Turlock, CA
Integral Investment Advisors has been empowering clients through market fluctuations and life transitions since 2008. Our team of certified financial planners and investment professionals delivers personalized wealth management solutions tailored to individual needs. With over 15 years of industry experience, we specialize in financial planning, investment management, and employer-sponsored retirement plans. Our family-owned firm serves 400+ families and institutions, managing $500M+ in assets while maintaining a client-first philosophy. We combine industry-leading credentials with a down-to-earth approach, ensuring complex financial concepts are explained clearly.Recognized as trusted advisors in the Central Valley, we prioritize transparency, ethical practices, and long-term client relationships. Our value-added services address estate planning, tax strategies, and life transitions, creating comprehensive financial solutions. Backed by certifications including CFP and CFA, we act as fiduciaries committed to clients' best interests. Through ongoing education and personalized service, we help clients achieve financial confidence and security.
Services
Financial Planning
Investment Management
Retirement Plans
Tax Strategies
Estate Planning
Wealth Preservation
Portfolio Management
Risk Assessment
College Funding
Social Security Planning
Details
- Year established: 2008
Highlights and features
- We offer 15+ years of experience managing $500M+ in assets
- Our team includes CFP professionals and CFA charterholders
- We operate as a 100% family-owned, client-first firm
- We maintain fiduciary responsibility to act in clients' best interests
- We receive 85% of new clients through professional referrals
Associations and certifications
- CERTIFIED FINANCIAL PLANNER
- Chartered Financial Analyst
Services
Financial Planning
Our financial planning service creates personalized roadmaps for your financial future. We analyze retirement needs, savings strategies, and estate considerations while optimizing tax efficiency. With certified professionals guiding your plan, we help answer critical questions about retirement timing, social security optimization, and wealth transfer. Our approach integrates all aspects of your financial life to create actionable, achievable goals.
Investment Management
We construct and maintain customized investment portfolios aligned with your risk tolerance and financial objectives. Our active management approach balances equity and fixed income investments while incorporating tax-aware strategies. Through tactical asset allocation and private investment opportunities, we aim to protect and grow your wealth. Regular portfolio reviews ensure your investments remain aligned with evolving market conditions and personal circumstances.
Retirement Plans
Our retirement plan services help businesses establish cost-effective employee benefits while maximizing owner contributions. We offer defined contribution and benefit plan options with fiduciary support. From 401(k)s to cash balance plans, we help employers reduce tax liabilities while attracting talent. Our solutions include investment selection, compliance support, and employee education programs to ensure successful retirement outcomes.
Estate Planning
We coordinate with legal professionals to implement tax-efficient estate strategies that align with your wishes. Our services address charitable giving, generational wealth transfer, and probate avoidance. Through gifting strategies and trust implementation, we help preserve your legacy while minimizing tax burdens. We also provide guidance on concentrated stock positions and complex asset distributions to ensure smooth transitions for your beneficiaries.
Tax Strategies
Our tax-aware investment approach optimizes after-tax returns through strategic asset location and tax-loss harvesting. We coordinate with accountants to implement Roth conversions, manage required minimum distributions, and plan charitable contributions. Our strategies address both immediate tax savings and long-term efficiency, helping clients retain more of their hard-earned wealth through legal tax reduction methods.
People
Jodi Karambela
Founder & President
With 25+ years of financial experience, Jodi specializes in trusts and estates while serving on the MJC Foundation board. She holds a UC Berkeley financial planning certificate and CFP certification, bringing expertise in fixed income and charitable giving strategies.
David Epps
Lead Advisor
David offers 25+ years of experience in tax-efficient investing and estate planning. A CFP professional with CSU Stanislaus finance background, he previously led Modesto Kiwanis and advised on library policies while delivering personalized investment solutions.
Michael Abram
Principal & Portfolio Manager
Michael combines mathematical expertise with investment management experience. A CFA charterholder with a PhD in Mathematics, he serves as Turlock City Treasurer and applies advanced modeling techniques to portfolio construction and tax planning strategies.
Brooke Gaither
Financial Advisor
Brooke specializes in life transitions and inheritance planning with 9 years of experience. As a CFP professional from CSU Monterey Bay, she helps clients navigate sudden wealth and retirement plan decisions while serving local sports organizations.
Mallory Sise
Associate Advisor
Mallory provides financial planning expertise with a focus on social security and senior living strategies. A recent CSU Stanislaus graduate and CFP professional, she brings fresh perspective to client service while developing comprehensive retirement solutions.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering retirement strategies, tax optimization, estate planning, social security analysis, and investment management tailored to your specific goals.
Are your advisors certified professionals?
Yes, our team includes CERTIFIED FINANCIAL PLANNERS and a Chartered Financial Analyst with combined decades of experience in wealth management.
How do you approach investment management?
We create customized portfolios balancing risk and return potential using diversified equity and fixed income strategies with tax-aware investment selection.
Do you work with business owners?
Yes, we specialize in employer-sponsored retirement plans including 401(k)s and cash balance plans to help business owners maximize tax benefits and retain talent.
What areas do you serve?
We primarily serve clients in the Central Valley with offices in Turlock and Modesto, California, managing $500M+ in assets for 400+ families.
How are you compensated for your services?
We operate as a fee-only registered investment advisor, ensuring transparent pricing with no hidden fees or commissions on investment products.
