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Integral Wealth Management Integral Wealth Management
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Business Details
18 Years
experience
Your Trusted Partner for Wealth Management Solutions
Integral Wealth Management was founded in 2008 with a commitment to providing personalized, family-oriented wealth management services. Our approach combines industry-leading credentials with a deep understanding of clients' unique financial goals and life circumstances. With over 15 years of dedicated service in California's Central Valley, we've built a reputation for treating clients like family while delivering comprehensive financial planning and investment management solutions. Our team of certified professionals brings decades of combined experience in real-world portfolio management, tax-efficient investing, and retirement planning. We prioritize transparency, fiduciary responsibility, and ongoing education to help clients navigate financial complexities with confidence.

Our family-owned business structure allows us to maintain a client-centered focus while leveraging advanced analytical tools and investment strategies. Through our holistic approach, we integrate investment management, estate planning, and value-added services to create tailored solutions that address both immediate needs and long-term objectives. Our commitment to continuous learning ensures clients benefit from the latest research and market insights while maintaining a steady presence through life's financial transitions.
Services
Investment Management Financial Planning Retirement Planning Estate Planning Tax-Efficient Investing Wealth Transfer Strategies Risk Management Charitable Giving Education Funding Business Retirement Plans
Details
  • Year established: 2008
Highlights and features
  • We have 15+ years of dedicated service in wealth management
  • Family-owned and operated with personalized client approach
  • Act as fiduciaries with clients' best interests always prioritized
  • Team includes CFP professionals and CFA charterholders
  • Holistic wealth management integrating investment, tax, and estate planning
Associations and certifications
  • CERTIFIED FINANCIAL PLANNER
  • Chartered Financial Analyst
Update Listing
Services
Investment Management
We create customized investment portfolios balancing risk and return potential to match your comfort level. Our active management approach combines diversified equity and fixed income strategies with tax-aware investing techniques. The team utilizes tactical asset allocation and private equity opportunities to enhance returns while implementing risk mitigation strategies to protect against market volatility.
Financial Planning
Our comprehensive financial planning service helps clients achieve long-term goals through personalized strategy development. We analyze retirement needs, optimize social security timing, and create cash flow projections while integrating estate planning and insurance strategies. The service includes Roth conversion planning, charitable giving strategies, and education funding solutions tailored to each client's unique circumstances.
Retirement Planning
We develop customized retirement plans addressing income needs, tax efficiency, and longevity considerations. Our approach includes retirement account withdrawal optimization, pension analysis, and long-term care cost projections. The service incorporates risk management strategies and estate planning integration to ensure sustainable income throughout retirement while minimizing tax liabilities.
Estate Planning
Our estate planning service focuses on tax-efficient wealth transfer strategies and legacy preservation. We coordinate with legal professionals to implement gifting strategies, trust administration solutions, and charitable giving plans. The service includes analysis of estate tax implications and development of succession plans for business owners and high-net-worth individuals.
Tax-Efficient Investing
We optimize after-tax returns through strategic investment placement and tax-loss harvesting techniques. Our approach considers individual tax brackets to determine optimal asset location between retirement and taxable accounts. The service includes analysis of tax implications for investment gains, charitable contributions, and retirement account distributions to minimize overall tax burden.
People
Jodi Karambela
Founder & President
With 25+ years of financial experience, Jodi founded Integral Wealth Management in 2008 after serving as a Charles Schwab branch manager. As a CFP professional, she specializes in trusts and estates while maintaining active community involvement through board memberships and volunteer work.
Michael Abram
Principal & Portfolio Manager
Michael holds a PhD in Mathematics and CFA charterholder status with 10 years of investment management experience. He oversees portfolio strategy and risk management while serving as Turlock City Treasurer. His expertise includes advanced financial modeling and compliance operations.
David Epps
Lead Advisor
A CFP professional with 25+ years of experience, David specializes in income-generating investments and estate planning for large estates. He previously served as Modesto Kiwanis president and brings extensive financial planning expertise to the advisory team.
Brooke Gaither
Financial Advisor
Brooke, a CFP professional with 9 years of experience, focuses on life transitions and workplace retirement plans. She serves on the Stanislaus County Estate Planning Council and specializes in helping clients navigate sudden wealth and inheritance situations.
Mallory Sise
Associate Advisor
As a CFP professional with 3 years of experience, Mallory specializes in social security income planning and senior living strategies. She provides support in developing comprehensive financial plans tailored to clients' retirement needs.
Questions
What services do you offer for retirement planning?
We provide comprehensive retirement planning including income projections, social security optimization, pension analysis, and withdrawal strategy development tailored to your specific needs.
How do you approach investment management?
We create customized portfolios balancing risk and return using diversified equity and fixed income strategies with tax-aware investing techniques and active market monitoring.
Are you a fiduciary?
Yes, we are legally obligated to act in your best interests at all times as registered investment advisers.
Do you work with out-of-state clients?
While based in California's Central Valley, we can provide virtual services to clients in other states through phone and video meetings.
What are your fee structures?
Our fees are based on assets under management, with no additional charges for financial planning or value-added services when we manage your investment portfolio.
How often will we meet to review my portfolio?
We typically meet annually for portfolio reviews, with additional check-ins as needed for significant life changes or market events affecting your investments.