Integrity Investment Advisors

Item 1 – Cover Page 3275 Twin Heron Ct. Fort Collins, CO 80528 (303)549-4720 www.IntegrityIA.com March 25, 2026 This Brochure provides information about the qualifications and business practices of Integrity Investment Advisors, LLC. If you have any questions about the contents of this Brochure, please contact us at 303-549-4720 or Invest@IntegrityIA.com. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Integrity Investment Advisors, LLC is an SEC registered investment adviser located in the state of Colorado. Registration of an Investment Adviser does not imply any level of skill or training. The oral and written communications of an Adviser provide you with information about which you determine to hire or retain an Adviser. Additional information about Integrity Investment Advisors, LLC also is available on the SEC’s website at www.adviserinfo.sec.gov. i  Item 2 – Material Changes Annual Update The Brochure will be updated annually, or when material changes occur since the previous release of the Firm Brochure. If there are no material changes, Integrity Investment Adviser will offer to deliver the current Form ADV Part 2 to clients within 120 days of the end of our fiscal year. Material Changes since the Last Update Material changes have been made since the Firm’s last annual updating amendment of March 19, 2025, in Items 4, 5, and 10, pertaining to the use of a sub-adviser for certain clients’ portfolios and new minimum fee levels for clients receiving both financial planning and investment management services. When there are material changes to the information in Integrity Investment Advisors’ Brochure, the Firm will provide clients with an updated Brochure or a summary of the material changes with an offer of the full Brochure. Full Brochure Available Currently, our Brochure may be requested by contacting Todd Moerman, President and Chief Compliance Officer at (303)549-4720 or Invest@IntegrityIA.com. ii  Item 3 -Table of Contents Item 1 – Cover Page ....................................................................................................................................... i Item 2 – Material Changes ............................................................................................................................ ii Item 3 -Table of Contents ............................................................................................................................ iii Item 4 – Advisory Business ........................................................................................................................... 1 Item 5 – Fees and Compensation ................................................................................................................. 4 Item 6 – Performance-Based Fees and Side-By-Side Management ............................................................. 8 Item 7 – Types of Clients ............................................................................................................................... 8 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................................ 9 Item 9 – Disciplinary Information ............................................................................................................... 14 Item 10 – Other Financial Industry Activities and Affiliations .................................................................... 14 Item 11 – Code of Ethics ............................................................................................................................. 16 Item 12 – Brokerage Practices .................................................................................................................... 17 Item 13 – Review of Accounts..................................................................................................................... 18 Item 14 – Client Referrals and Other Compensation .................................................................................. 18 Item 15 – Custody ....................................................................................................................................... 19 Item 16 - Investment Discretion…………………………………………………………………………………………………………….15 Item 17 – Voting Client Securities ............................................................................................................... 20 Item 18 – Financial Information .................................................................................................................. 20 ADV Part 2B Brochure Supplement - Todd J. Moerman.............................................................................21 ADV Part 2B Brochure Supplement - Robert S. Hamilton ......................................................................... 24 iii  Item 4 – Advisory Business Integrity Investment Advisors, LLC was founded in 2010 as a Limited Liability Company organized in the state of Colorado. Integrity Investment Advisors, LLC is an independent investment advisor registered with the SEC and is majority-owned by Todd Moerman. Integrity Investment Advisors, LLC, also referred to as the "Company" or “Firm” offers the following advisory services to individuals, corporations, LLCs, and Trusts. Integrity Investment Advisors, LLC offers Portfolio Management services by appointment only. Portfolio Management and Planning Services For its Core Financial Planning services, depending upon the client’s stated needs, the Firm will provide ongoing, as-needed advice and recommendations to reach the client’s stated financial goals. The Firm’s services will include, among others:  Ongoing financial advice on issues of cash management, risk management, education funding, retirement planning, estate planning and tax planning  Regular updates to client’s financial plan  Meetings, phone calls, and other coordination efforts as requested with the client’s other Advisors For the Firm’s Private Wealth Financial Planning services, depending upon client’s needs the Firm will provide advanced planning strategies for these client’s investments for such investments in Separately Managed Accounts (“SMA”), private credit, real estate, private equity, hedge funds, and other alternative investment holdings. Portfolio Management includes portfolio design, ongoing investment monitoring, contingent rebalancing, portfolio data management and tax lot accounting, quarterly analysis, and as needed investment advice. This management is based on the methods and principles described broadly in Item 8. Integrity Investment Advisors consults with clients to determine their investment objectives and their need, ability, and willingness to take investment risks. We then design an asset allocation based on these parameters, recommend specific investment vehicles, and discuss the implementation process. Discretionary Authority - The client typically grants Integrity Investment Advisors discretionary authority to buy and sell securities and, in most cases, deduct the management fee from their accounts. Clients may also place restrictions on the kinds of investments to be made. These restrictions must be in writing. See item 16. For ongoing monitoring, Integrity Investment Advisors reviews each client's portfolio at least quarterly and rebalances their agreed-upon allocation on a contingent basis. In general, contingent 1  rebalancing relies on an event triggering the process. That event is typically a cash deposit or withdrawal, a tax loss harvesting trade, or when a particular asset class deviates significantly from the intended target percentage as stated in the long-term investment objective. Rebalancing is also subject to the client's particular tax and risk circumstances. We believe the purpose of rebalancing is to maintain portfolio structure, not to enhance returns, and that performance is directly attributed to a client's exposure to risk. Rebalancing helps maintain consistent risk exposures over time. Assets Under Advisement, such as a client’s holdings in a hedge fund, private equity, or illiquid investments are not continuously overseen and managed by Integrity Investment Advisors and are only intermittently monitored. Integrity Investment Advisors maintains a client's portfolio data, including security information and prices, balances, transaction activity, and cost basis information. This data is reconciled on a continual basis with custodian data. Integrity Investment Advisors provides portfolio review software through a third-party vendor. This reporting includes a portfolio performance review, position performance review, asset allocation, consolidated view of holdings, holdings detail by account. Additionally, custom reports are available upon request, including reports designed to help a client with tax preparation and compliance. Use of Sub-Advisers For investment management services, we may use an unaffiliated independent investment manager to manage all or a portion of a clients’ investment account(s) (“Sub-Adviser”). Integrity Investment Advisors has an arrangement with Focus Partners LLC, an independent registered investment adviser not affiliated with Integrity Investment Advisors for investment management services to clients’ accounts. Through this arrangement Integrity Investment Advisors recommends and uses Focus Partners investment strategies and services for its clients’ accounts, when appropriate, based on each client’s individual needs. Integrity Investment Advisors will perform initial and ongoing oversight and due diligence over the selected independent manager[s] strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. Integrity Investment Advisors is responsible for determining a suitable investment strategy and portfolio for the client’s investment needs and goals with Focus Partners. Integrity Investment Advisors is available to answer questions that the clients may have regarding their account. Focus Partners will have discretionary authority to determine the securities to be purchased and sold for the client’s accounts managed by Focus Partners according to the investment strategy selected by Integrity Investment Advisors. Focus Partners also provides operational support to Integrity Investment Advisors for the delivery of and reporting of portfolio management services. 2  Clients grant Integrity Investment Advisors and Focus Partners discretionary authority through the Advisory Agreement or other grant of limited power of attorney to implement transactions with their custodians on their behalf. Granting Integrity Investment Advisors and Focus Partners discretionary authority allows them to direct, in their sole discretion, and without first contacting you, the investment and reinvestment of the assets in your account in stocks, bonds, mutual funds, exchange traded funds and other securities as well as in cash or cash equivalents. Insurance Consulting Our firm has an arrangement with an outside firm, DPL Financial Partners LLC (“DPL”) that enables us to evaluate insurance products such as life insurance and annuities as part of a client’s overall financial plan. We compensate DPL directly via a yearly access fee for the information they provide to us about 3rd party insurance companies and their products. Clients may choose to separately purchase these products from DPL; if they do, they will incur other fees and costs paid to DPL, the third-party agency or insurer, not to Integrity Investment Advisors. Integrity Investment Advisors charges an AUM fee based on cash value feed from the insurance company. For Insurance sub accounts that are not updated on a regular basis, Integrity Investment Advisors will charge a “held away asset fee” for the firm’s planning and oversight services to those assets is charged as an annual fixed fee ranging between $1,000 – $10,000, and is based on the scope and complexity of the services to those accounts using such factors as the amount and location of assets and their allocation, investment selection, 2) comprehensive financial planning 3) tax strategy and working with the Client’s tax advisor, and 4) overall complexity & scope of work. DPL is a third-party provider of a platform of insurance consultancy services to SEC-registered investment advisers (“RIAs”) that have clients with a need for insurance products. DPL is licensed as an insurance producer in Kentucky, and other jurisdictions where required to perform the platform services. Its representatives are also licensed as insurance producers, appointed as insurance agents of the insurers offering their products through the platform, and registered representatives of The Leaders Group. Company Sponsored 401k plans, Pension Plans and Profit-Sharing Plans Integrity Investment Advisors provides consulting services to small / medium sized 401k plans, Pension Plans and Profit-Sharing Plans. Integrity Investment Advisors, LLC is a limited scope “fiduciary” to the plan as that term is defined under Section 3(21) of ERISA. Except for any assets contained within any specific asset allocation programs devised by Integrity Investment Advisors. The Firm does not possess or exercise any discretionary authority over the plan or any of its investment assets. Moreover, Integrity Investment Advisors’ fiduciary duty does not, and will not, extend to a participant’s investment decision making process as to how he/she chooses to allocate any portion of his/her plan assets among any plan investments, including (to the extent applicable) Integrity Investment Advisors’ investment programs, it being understood that the participant retains all such investment decision making authority and responsibility. 3  Financial Planning Integrity Investment Advisors provides financial planning services to clients receiving investment management, and we also provide stand-alone financial planning engagements. The firm may provide Clients consulting services for special projects for individuals/family offices. These projects are billed separately from any investment management or oversight fee and based on the service, time, and complexity of the engagement. Assets Under Management As of December 31, 2025, Integrity Investment Advisors managed approximately $385,759,178 in client assets on a discretionary basis and $8,532,916 on a non-discretionary basis. We also provide consulting services for assets that are not continuously managed but that are monitored on an intermittent basis only. These assets consist of consulting services or non-liquid investments. The Firm’s oversight for these accounts does not meet the definition of regulatory assets under management because we do not provide continuous and regular supervisory or management services for these assets. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: o Meet a professional standard of care when making investment recommendations (give prudent advice). o Never put our financial interests ahead of yours when making recommendations (give loyal advice). o Avoid misleading statements about conflicts of interest, fees, and investments. o Follow policies and procedures designed to ensure that we give advice that is in your best interest. o Charge no more than is reasonable for our services; and o Give you information about conflicts of interest. Item 5 – Fees and Compensation The following section describes the fees for services for Integrity Investment Advisers. Fees are negotiable solely at the discretion of the Firm. Integrity Investment Advisors retains the right to negotiate the fee on assets and scope of services. There are legacy clients that may have a different fee and/or means of fee calculation than that described below. 4  For its investment management services including its planning services, Integrity Investment Advisors is compensated by an annual fee charged on a quarterly basis, in arrears as described herein. Unless otherwise indicated, the client will be charged at the end of each calendar quarter for services rendered. Accounts at the household level will be combined for purposes of determining the fee. The fee will vary due to changing market values and by any additions or deletions to the account. When the fee is based on the assets under management the fee is calculated as a percentage of the value of the Account(s) on the last trading day of the calendar quarter, subject to a minimum fee. Fees are not charged in advance. Clients who engage Integrity Investment Advisors for only a portion of the quarter will pay a prorated fee based on the number of days in the quarter in which services are rendered. The Firm’s fee is set forth in its investment advisory services agreement with each client The Firm bases its fee on a percentage of the client’s assets under management and the scope and complexity of the Firm’s services to be provided to the client using a number of factors, such as the amount of assets under the Firm’s management, the type of assets being overseen, the planning services needed, and the potential future revenue from the client relationship.. Fees range from 1.25% to 0.3% of assets under management, subject to a minimum fee. The Firm’s fee applies to cash balances in the client’s account and alternative investments overseen by the Firm unless negotiated or agreed upon otherwise. Clients are subject to the following minimum fee depending upon the level of services being provided: Core Wealth Level of Services -- $7,000 annually/billed at $1,750 per quarter minimum Private Wealth Level of Services- $20,000 annually/ billed at $5,000 per quarter minimum Sub-Adviser’s Fee Clients do not pay additional fees to Focus Partners when used for client’s account(s). Integrity Investment Advisor’s fee encompasses Focus Partners fee for the services provided to clients’ accounts. Clients do not pay brokerage commissions or any other fees to Focus Partners. Management Fee for “Held Away Asset” Client assets that are not a part of an account held at a custodian with which Integrity Investment Advisors has a custodial agreement such securities held in an insurance policy’s investing subaccount, in a 401k account held at an employer’s retirement plan or a private equity or hedge fund holdings, restricted stock, or other non-liquid investments are “Held Away Assets.” For Held Away Assets for which we have continuous, reliable access to account data and valuation, we will charge an annual fee, paid quarterly, in arrears, based on the percentage of their value on the last day of the calendar quarter pursuant to the Portfolio Management & Comprehensive Financial 5  Planning Fee Schedule set forth in your agreement for the oversight of those assets. When we do not have continuous, reliable access to account data and valuation for Held Away Assets, we will charge a fixed, annual fee ranging between $1,000 and $10,000, paid quarterly, in arrears for our services to those assets. We will determine the fixed fee the fee for Held Away Assets based on the scope and complexity of the services to those assets using such factors as 1) amount and location of assets and their allocation, investment selection, 2) financial planning related to those assets 3) consideration of tax strategies and the extent assisting the client’s tax advisor, and 4) overall complexity & scope of work. If our access to account data and valuations for Held Away Assets becomes unreliable after previously having reliable data and valuations, we will provide the client with notice of a change to a fixed fee and the amount of that fixed fee; thereafter, we will only bill on those Held Away Assets as a fixed fee. We will determine any annual, fixed fee for Held Away Assets upon engagement, when a loss of reliable access to account data and valuation occurs, and no less than annually thereafter. There may be additional integration fees for the manual integration of assets. Means of Payment of Advisory Fees There are 2 options for making payment of Integrity Investment Advisors’ advisory fee. Option 1) is automatic deduction from an account held at an independent custodian. Clients will provide written authorization if fees are to be deducted directly from their account in their advisory agreement. When the fee is deducted, Integrity Investment Advisors will send an invoice to the account’s custodian and to the Client. The custodian will send monthly or quarterly statements to Client that detail all disbursements for the account, including the amount of the advisory fees deducted from the account. Option 2) is direct payment made from Client to Integrity Investment Advisors. In Integrity Investment Advisors’ sole discretion, advisory fees may also be payable directly by check, ACH, or wire transfer. Insurance Consulting For clients who receive this service through Integrity Investment Advisors as outlined above, we charge an AUM fee based on cash value feed from the insurance company. For Insurance sub accounts that are not updated on a regular basis, Integrity Investment Advisors will charge a “held away asset fee” for the firm’s planning and oversight services to those assets is charged as an annual fixed fee ranging between $1,000 – $10,000, and is based on the scope and complexity of the services to those accounts using such factors as the amount and location of assets and their allocation, investment selection, 2) comprehensive financial planning 3) tax strategy and working with the Client’s tax advisor, and 4) overall complexity & scope of work. Employee Benefit Retirement Plan Services – Company Sponsored 401(k) plans/Pension Plans/ Profit-Sharing Plans 6  Standard 401(k) fee schedule for small to medium business 401k plans. In general, Integrity Investment Advisors’ fees are negotiable, and will range from 0.80% to 0.25% of assets in the plan, depending on complexity and scope of work. We may also provide consulting services on a flat fee basis in some cases. ** Additional hourly consulting for 401k or DB Plan Jr. Advisor at $150 per hour for Zoom meeting - - Partner Advisor at $250 per hour for Zoom meeting Consulting On the first $5,000,000 On the next $5,000,000 Annual Fee (%) Depends on scope of work Depends on scope of work On amounts above $10,000,000 Depends on scope of work Financial Planning Fee When Integrity Investment Advisors provides financial planning services to a client either in addition to its investment management services or to a client that does not receive the firm’s investment services, a fixed fee ranging from $500-$15,000+, or an hourly rate will be charged, depending upon the scope of the planning and the complexity of the planning needed. The specific fee charged for the services will be set forth in the Client’s agreement with Integrity Investment Advisors. Family Office Data Integration Fee For services to family offices, Integrity Investment Advisors charges a data integration fee ranging from $300-$4,000 per month when significant manual inputting of data is necessary for the reporting of outside accounts, processing portfolio accounting, providing performance reporting and for the overall comprehensive investment management of Client’s assets. Hourly Fee Financial planning services/ consulting will be billed an hourly fee ranging from $125 to $700 per hour, depending on the professional classification, and experience of the individual providing the service. Administrative staff is charged based on hourly fees ranging from $75 to $165 per hour, depending on the staffing of the engagement. Any special projects will be based upon mutual agreement of Scope of Work with the client and shall be due and payable as earned. Other Expenses and Fees Integrity Investment Advisors, LLC is a fee-only advisor. Integrity Investment Advisors’ fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which shall be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, third party investment managers, SMA managers, Direct Indexing providers, and other third parties such as fees charged by third party managers, insurance providers such as DPL Financial, platform 7  providers like iCapital or CAIS, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, termination fees, account closing fees and other fees and taxes on brokerage accounts and securities transactions. Mutual funds and exchange traded funds also charge internal management fees, which are disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to Integrity Investment Advisors’ fee, and Integrity Investment Advisors shall not receive any portion of these commissions, fees, and costs. No employee or officer of Integrity Investment Advisors accepts compensation of any kind for the sale of securities or any other investment products. Item 12 further describes the factors that Integrity Investment Advisors considers in selecting or recommending broker-dealers for client transactions and determining the reasonableness of their compensation. In addition to the assets under management fee, client will reimburse Integrity Investment Advisors for any reasonable travel expenses incurred by Integrity Investment Advisors on behalf of client while providing asset management services. Integrity Investment Advisors will obtain client’s authorization before incurring such travel expenses and provide documentation of such expenses upon request by the client. The client may pay the travel expenses owed by submitting payment directly by check. Fees at Termination Clients may terminate their engagement by providing Integrity Investment Advisors with 30-day written notification. If Integrity Investment Advisors decides to terminate relationship, termination will be effective 30 days after notice is delivered to Client. Upon termination of any agreement, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. Integrity Investment Advisors will prorate unpaid fees based on the date of the notification. Item 6 – Performance-Based Fees and Side-By-Side Management Integrity Investment Advisors does not charge performance-based fees and will not be compensated based on a share of capital gains or on capital appreciation of the funds or any portion of the funds of the client. Item 7 – Types of Clients Integrity Investment Advisors provides services to individuals, high net worth individuals, corporate pension and profit-sharing plans, 401k plans, trusts, business entities, charitable institutions, foundations, endowments, and other institutions. Integrity Investment Advisors generally requires a minimum account size of $500,000 to establish an investment management relationship; however, the Firm can, in its sole discretion, modify or waive that amount. 8  Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Investing in securities involves the risk of loss that clients should be prepared to bear. These losses can be persistent over long periods of time and extreme at times of crisis. Integrity Investment Advisors, LLC will invest a client's assets based on the following principles: • Markets are efficient, and assets are fairly priced. Any market timing is pure speculation. • Risk and Return are directly related. Priced risk factors determine expected return. • Investors should not expect to be compensated for taking risks that can be easily reduced through diversification. • Portfolio structure (asset allocation) is the primary determinant of performance for a broadly diversified portfolio. • Undisciplined and/or emotional behavior is the enemy of a successful investment experience. Our philosophy embraces the tenets of Modern Portfolio Theory, The Efficient Markets Hypothesis, and the Fama/French 5-Factor Model. We believe an efficient and cost-effective method of implementing a portfolio structured around priced risk factors is to use passively managed funds. The use of actively managed funds is not recommended because these funds may have holdings that vary across dimensions of risk, making portfolio structure difficult to maintain. Our goal is to efficiently- capture market returns commensurate with a client's chosen level of risk. Integrity Investment Advisors should be judged by how well we maintain a client's asset allocation to its intended structure, minimize the cost of investing, prioritize tax efficiency, and help a client avoid behavioral mistakes. An Integrity Investment Advisors client is primarily invested in open‐end Mutual Funds and/or Exchange‐Traded Funds. The risk and performance of these investment vehicles is driven primarily by the market risk exposures found in each fund. Risk of Loss: Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Integrity Investment Advisors) will be profitable or equal any specific performance level(s). The primary risk for Integrity Investment Advisors clients is market risk. Their portfolio performance is primarily driven by market returns and their portfolio volatility and risk of loss is directly related to their exposure to market risk factors. 9  Investing in securities involves risks of loss that you should be prepared to bear. Investing in foreign stock markets involves additional risks including political, economic, and currency risks, as well as differences in accounting methods. Investing in fixed income instruments may involve certain costs and risks such as liquidity risk, interest rate risk, and credit risk. There can be no guarantee that an investment strategy will meet its investment objectives or that it will not suffer losses. Below are some of the specific risks clients face related to Integrity Investment Advisors’ investment strategies: Risks Investing in Mutual Funds and ETFs Your account(s) bear all the risks of the investment strategies employed by the mutual funds and ETFs held in your account(s), including the risk that a mutual fund or ETF will not meet its investment objectives. For the specific risks associated with certain mutual funds or ETFs, please see the investment prospectus. Unique Risks Investing in ETFs An ETF is a security that trades on an exchange during market hours and typically seeks to track an index, commodity, or a basket of assets like an index fund. However, some ETFs are actively managed and do not seek to track a certain index or basket of assets. ETFs may trade at a premium or discount to their Net Asset Value (“NAV’) and may also be affected by market fluctuations of their underlying investment holdings. They may also have unique risks depending on their structure and underlying investments. These risks can become significant during times of high market volatility or temporary crashes in the underlying liquidity of the investments. Risks Investing in Stock Funds Stock markets are volatile and can decline significantly and quickly over short or even long periods in response to adverse issuer, political, regulatory, market, or economic developments. In a diversified stock fund overall systematic (market risk) poses the greatest potential for losses in your account(s). In addition, stock investments may be subject to risk related to market capitalization as well as company-specific risk. Foreign stock investing involves risks not typically associated with U.S. domestic investments, and the risks may be further amplified in emerging market countries. These risks may include, among others, adverse fluctuations in foreign currency values, as well as adverse political, social and economic developments affecting one or more foreign countries. In addition, foreign investing may involve less publicly available information and more volatile or less liquid securities markets, particularly in markets that trade a small number of securities, have unstable governments, or involve limited industry. 10  Risks Investing in Bond Funds In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) The ability of an issuer of a bond to repay principal prior to a security’s maturity can cause greater price volatility if interest rates change, and, if a bond is prepaid, a bond fund may have to invest the proceeds in securities with lower yields. Fixed income securities also carry inflation risk, credit risk (the risk of changes in the financial condition of an issuer) and default risk (the risk that the issuer may fail to pay its debts) for both issuers and counterparties. Unlike investing in individual bonds, typically bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible. In addition, investments in certain bond structures may be less liquid than other investments and therefore may be more difficult to trade effectively. Risks Investing in Municipal Bond Funds Investing in the municipal bond market can be affected by adverse tax, legislative, or political changes, and by the financial condition of the issuers of individual municipal securities. Municipal bond funds normally seek to earn income and pay dividends that are expected to be exempt from federal income tax. If you are a resident in the state of issuance of the bonds held by the fund, interest dividends may also be exempt from state and local income taxes. Income exempt from regular federal income tax (including distributions from tax-exempt, municipal, and money market funds) may be subject to state, local, or federal alternative minimum tax. Certain municipal bond funds normally seek to invest only in municipal securities generating income exempt from both federal income taxes and the federal alternative minimum tax; however, outcomes cannot be guaranteed, and the funds may sometimes generate income subject to these taxes. You should consult with an accountant, CPA, or tax attorney regarding the unique tax consequences of investing in municipal bond funds. Risks Investing in Alternative Investments, Private Funds & Illiquid Strategies Investments in Alternative Funds, including but not limited to hedge funds, private equity funds, private credit funds, private real estate funds, trend following funds, leveraged funds, long/short funds, managed futures funds, blockchain or digital asset funds, thematic private funds, and other privately offered pooled investment vehicles (collectively, “Alternative Funds”) involve substantial risks, including the risk of loss of principal. Alternative Funds are not suitable for all investors. Risks associated with investments in Alternative Funds include: 11  Valuation Risk and Infrequent Pricing Many Alternative Funds:  Are valued only monthly or quarterly  Provide account statements based on manager-reported net asset values (NAV)  Rely on estimates, models, appraisals, or internally determined valuations  May hold securities or assets for which market quotations are not readily available As a result:  Reported values may not reflect the amount that could be realized upon liquidation  Valuations may be revised or adjusted by the fund manager  Pricing may be “stale” between reporting periods  Performance reporting may be based on estimated or unaudited valuations Clients should understand that interim values may not represent realizable value and may differ materially from final audited valuations. Impose lock-up periods Liquidity Restrictions and Redemption Risk Alternative Funds are typically illiquid and may:   Restrict withdrawals to quarterly, annual, or longer intervals  Limit redemptions through gates  Suspend redemptions during periods of market stress  Permit in-kind distributions  Use side pockets for illiquid investments  Require advance redemption notices  Delay or stagger distributions. Accordingly:  Clients may be unable to access invested capital for extended periods  Redemption proceeds may be delayed  Liquidity may be materially reduced during market disruptions Clients should not invest funds needed for near-term liquidity requirements. Capital Call and Commitment Risk Certain private equity, private credit, and real asset funds operate on a capital commitment basis and may:  Issue capital calls on short notice Impose penalties for failure to meet capital calls   Distribute capital unpredictably over multi-year periods. Clients must maintain sufficient liquidity to meet capital commitments when due. Use of Leverage and Derivatives 12  Increased volatility Alternative Funds may use leverage, derivatives, forward contracts, futures contracts, swaps, structured products, commodities exposure, or other complex instruments. These strategies involve additional risks including:   Counterparty risk  Liquidity risk  Pricing risk  Operational risk  Losses exceeding invested capital in certain structures. Leverage magnifies both gains and losses. Short Selling Risk Funds that engage in short selling borrow securities and sell them in anticipation of price declines. If the price of a security increases after it is sold short, the fund may incur significant losses when repurchasing the security. Losses on short positions may be theoretically unlimited. Short selling also involves additional transaction, borrowing, and financing costs. Concentration Risk Certain Alternative Funds may concentrate investments by strategy, asset class, sector, geography, or manager. Concentration increases exposure to adverse market, economic, or regulatory events affecting those areas and may result in greater volatility. Limited Transparency Alternative Funds may provide limited transparency regarding:  Portfolio holdings  Strategy implementation  Risk exposures  Underlying leverage Clients must rely on the skill and integrity of the fund manager. Fee and Expense Risk Alternative Funds typically charge:  Management fees  Performance or incentive fees  Organizational and operating expenses  Administrative and audit costs. These fees are in addition to advisory fees charged by our firm and reduce overall investment returns. 13  Custody and Operational Risk Many Alternative Funds:  Do not provide daily custodial reporting  Use third-party administrators  Operate outside of registered investment company frameworks  May not be registered under the Investment Company Act of 1940 Operational failures, fraud, or internal control weaknesses may result in losses. Interim reports may not reflect current realizable value Performance Reporting Considerations Because many Alternative Funds are valued monthly or quarterly:  Performance reporting may lag public markets  Reported returns may rely on manager-supplied data  Adjustments may occur after audits  Clients should evaluate long-term performance rather than short-term fluctuations. Item 9 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of Integrity Investment Advisors, LLC or the integrity of Integrity Investment Advisors management. Integrity Investment Advisors has no information applicable to this item (i.e., there are no relevant legal or disciplinary events to disclose). Item 10 – Other Financial Industry Activities and Affiliations Integrity Investment Advisors (and its management) are not registered, or have an application pending to register, as a broker‐dealer or a registered representative of a broker dealer. Integrity Investment Advisors (and its management) are not registered, or have an application to register, as a futures commission merchant, commodity pool operator, a commodity trading advisor, or an associated person of the foregoing entities. Todd J. Moerman, managing member of Integrity Investment Advisors, LLC, has a fifty percent (50%) ownership interest in 365 Tax Strategy, LLC (“365”). 365 provides tax preparation services, which presents a potential conflict of interest to clients of Integrity Investment Advisors when Mr. Moerman recommends 365 to them due to the increased compensation he receives when clients use the services of 365. This conflict is mitigated as clients of Integrity Investment Advisors are not required to engage 365 for tax preparation services, and any recommendations related to tax preparation services are made strictly in the best interest of clients of Integrity Advisors, LLC, which mitigates any potential conflicts. 14  The sub-adviser that the Firm uses for clients’ accounts, Focus Partners, is not affiliated, nor jointly owned with Integrity Investment Advisors, LLC. When Integrity Investment Advisors uses an external manager to create and maintain a client’s investment account, the Firm will first ensure that this adviser is appropriately registered and/or notice-filed within your state of residence. As referenced in Item 5 of this brochure, Focus Partners is compensated for their respective services by Integrity Investment Advisors. Integrity Investment Advisors does not receive compensation directly or indirectly from any such advisors that creates a material conflict of interest. Integrity Investment Advisors does not have any other business relationships with other advisors that create a material conflict of interest. As a fiduciary, Integrity Investment Advisors has certain legal obligations, including the obligation to act in clients’ best interest. Integrity Investment Advisors maintains a Business Continuity and Succession Plan and seeks to avoid a disruption of service to clients in the event of an unforeseen loss of key personnel, due to disability or death. To that end, Integrity IA has entered into a succession agreement with Focus Partners Wealth, LLC, effective 1/2018. Integrity IA can provide additional information to any current or prospective client upon request to Todd Moerman, CEO at 303-549-4720 or todd@integrityia.com. Integrity Investment Advisors, LLC has a relationship with DPL Financial Partners, LLC (“DPL”) to provide clients insurance reviews/analyses, education, and insurance solutions. DPL Financial Partners, LLC (“DPL”) is a third-party provider of a platform of insurance consultation services to investment advisers with clients who have current or future needs for insurance products. Integrity Investment Advisors receives access to DPL’s platform for a fixed annual fee. Through its licensed insurance agents, who are also registered representatives of The Leaders Group, Inc. (“The Leaders Group”), an unaffiliated SEC-registered broker-dealer and FINRA member, DPL offers members a variety of services relating to commission free insurance products. These services include, among others, providing members with analyses of their current methodology for evaluating client insurance needs, educating and acting as a resource to members regarding insurance products generally and specific insurance products owned by their clients or that their clients are considering purchasing, and providing members access to, and marketing support for, commission free products that insurers have agreed to offer to members’ clients through DPL’s platform. For providing platform services to RIAs and ERAs, DPL receives service fees from the insurers that offer their commission free products through the platform. These service fees are based on the insurance premiums received by the insurers from DPL members’ clients. DPL is licensed as an insurance producer in Kentucky, and other jurisdictions where required to perform the platform services. Its representatives are also licensed as insurance producers, appointed as insurance agents of the insurers offering their products through the platform, and registered representatives of The Leaders Group. 15  Item 11 – Code of Ethics As a fiduciary, Integrity Investment Advisors has a duty of utmost good faith to act solely in the best interests of each of our clients. Our clients entrust us with their funds, which in turn place a high standard on our conduct and integrity. Our fiduciary duty compels all employees to act with the utmost integrity in all our dealings. This fiduciary duty is the core principle underlying our Code of Ethics policy and represents the expected basis of all our dealings with our clients. Our Code of Ethics is intended to meet the requirements of Rule 240A‐1 under the Investment Advisers Act of 1940 and is included in our internal Compliance Manual and is available upon request. In short, it requires Integrity Investment Advisors’ Employees to behave as a fiduciary toward clients, avoid conflicts of interest, and protect client personal information. Integrity Investment Advisors is also committed to complying with the Code of Ethics and Professional Responsibility issued by the Certified Financial Planner Board of Standards, Inc. A complete copy of the CFP Code of Ethics and Professional Responsibility is available at http://www.cfp.net/for-cfp-professionals/professional-standards-enforcement/standards-of- professional-conduct/code-of-ethics-professional-responsibility Integrity Investment Advisors does not recommend to clients – or buy or sell for client accounts – securities in which it or a related person has material financial interest. Integrity Investment Advisors’ members, officers, and employees may buy or sell securities that it also recommends to clients. Integrity Investment Advisors’ CCO will ensure that any such transaction does not create an advantageous situation for any member, officer, or employee over any client in accordance with its Code of Ethics. Protection of Material Non-Public Information – Privacy Notice Employees are expected to exercise diligence and care in maintaining and protecting our client's non-public, confidential information. Employees are also expected to not divulge information regarding the Company's securities recommendations or client securities holdings to any individual outside the Company, except: as necessary to complete transactions or account changes; as necessary to maintain or service a client or his/her account; with various service providers who provide administrative functions for the Company, only after we have entered into a contractual agreement that prohibits the service provider from disclosing or using confidential information except as necessary to carry out its assigned responsibilities and only for that purpose or such provider has supplied us with a privacy statement which meets our requirements; or as permitted by law. Personal Conduct Employees are prohibited from receiving any gift, gratuity, hospitality, or other offering of more than de minimis value from any person or entity doing business with the Company or client of the 16  Company. The Company defines de minimis as the typical cost of dinner for two at an elegant restaurant. This gift policy generally excludes items or events where the employee has reason to believe there is a legitimate business purpose. Item 12 – Brokerage Practices Investment or Brokerage Discretion. Integrity Investment Advisors has a custodial relationship with Schwab Institutional Services and recommends discount brokerage firms and trust companies (qualified custodians), such as Charles Schwab for its clients’ accounts. Integrity Investment Advisors only recommends custodians based on the proven integrity and financial responsibility of the firm and the best execution of orders at reasonable commission rates. Integrity Investment Advisors DOES NOT receive fees or commissions from any of these arrangements. Integrity Investment Advisors does not have any affiliation with product sales firms. When a client directs brokerage, we cannot ensure best execution in the account. Soft Dollars The Firm does not have any formal soft-dollar arrangements, but the Firm does participate in the Schwab Institutional (SI) services program offered to independent investment advisers by Charles Schwab & Company, Inc. (“Schwab”), a FINRA-registered broker dealer. Integrity Investment Advisors recommends Schwab to clients needing brokerage and custodial services. While there is no direct linkage between the investment advice given and participation in the SI program, economic benefits are received which would not be received if Integrity Investment Advisors did not give investment advice to clients. These benefits include: receipt of duplicate client confirmations and bundled duplicate statements; access to a trading desk serving SI participants exclusively; access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to client accounts; ability to have investment advisory fees deducted directly from client account; access, for a fee, to an electronic communication network for client order entry and account information; receipt of compliance publications; and access to mutual funds which generally require significantly higher minimum initial investments or are generally available only to institutional investors. The benefits received through participation in the SI program may or may not depend upon the number of transactions directed to, or amount of assets held at Schwab. Participation in the SI program results in a potential conflict of interest for our firm, as the receipt of the above benefits creates an incentive for us to use Schwab for the execution of client trades. Nonetheless, we have reviewed the services of Schwab and recommend the services based on several factors. These factors include the professional services offered, commission rates, and the custodial platform provided to clients. As part of its fiduciary duties to clients, Integrity Investment Advisors endeavors at all times to put the interests of its clients first. Clients should be aware, however, that the receipt of economic 17  benefits by Integrity Investment Advisors or its related persons in and of itself creates a potential conflict of interest and may indirectly influence Integrity Investment Advisors’ choice of Schwab for custody and brokerage services. Trade Error Policy. Integrity Investment Advisors shall reimburse accounts for losses resulting from Integrity Investment Advisors, LLC’s trade errors, but shall not credit accounts for such errors resulting in market gains. The gains and losses are reconciled within Integrity Investment Advisors’ custodian firm account and any gain is donated to charity or if requested by the client paid over to the client. Trade Aggregation. As a matter of policy, depending on market conditions, Integrity Investment Advisors may aggregate the purchase or sale of securities for clients. Item 13 – Review of Accounts Integrity Investment Advisors provides portfolio reporting on a as needed basis. This reporting includes a portfolio performance review, position performance review, current asset allocation, consolidated view of holdings, holdings detail by account. Additionally, custom reports are available upon request, including reports designed to help a client with tax preparation and compliance. Although the exact review process depends upon the nature and terms of the specific engagement, the following description of the review process generally applies: For clients with accounts at Schwab, portfolios are reviewed by Todd Moerman, President, on a regular basis. Comprehensive portfolio reviews are conducted on at least a quarterly basis and rebalanced on a contingent basis. Accounts held outside of Schwab or performance reporting software or for assets that we do not provide continuous oversight to (illiquid holdings) are not provided ongoing and continuous oversight by us and are not regularly reviewed. The client's account’s custodian provides monthly or quarterly statements reflecting the market value, quantity of securities held within the client's accounts, and transaction activity conducted within the account(s) since the last statement. We urge clients to compare the information contained in our reports to the information contained in the account custodian’s statements. Item 14 – Client Referrals and Other Compensation Integrity Investment Advisors, LLC is a fee-only firm and receives no money or other economic benefit from anybody except clients as a result of providing investment advice or other advisory services to its clients. Integrity Investment Advisors and its employees do not receive any financial compensation from brokerage referrals, nor does it receive any targeted or customized research, etc. Integrity Investment Advisors, LLC, as part of its relationship with a discount broker, may receive general research reports and newsletters that all such advisors receive. Any research services provided by a discount broker may be of benefit to all the Company's clients and not only clients having accounts with that broker. 18  Item 15 – Custody Integrity Investment Advisors does not maintain physical custody of clients’ funds or securities. A client should receive monthly or quarterly statements from their custodian. Integrity Investment Advisors urges clients to carefully review these statements and compare them to the account statements that we may provide. Our statements may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. The Firm has constructive custody of assets to the extent it uses Standing Letters of Authorizations (“SLOA’s”) for third-party money transfers. Item 16 – Investment Discretion Integrity Investment Advisors usually receives discretionary authority from a client at the outset of an advisory relationship to select the identity and amount of securities to be bought or sold. In all cases, however, such discretion is to be exercised in a manner consistent with the stated investment objectives for the client’s account. When selecting securities and determining amounts, Integrity Investment Advisors observes the investment policies, limitations, and restrictions of the clients for which it advises. Investment guidelines and restrictions must be provided to Integrity Investment Advisors in writing. If discretionary authority is granted, it is explicitly authorized in a written agreement with Integrity Investment Advisors, LLC. For discretionary accounts, a Limited Power of Attorney (“LPOA”) is executed by the client, giving Integrity Investment Advisors the authority to carry out various activities in the account, generally including the following: trade execution; the ability to request checks on behalf of the client; and the withdrawal of advisory fees directly from the account. Integrity Investment Advisors then directs investment of the client’s portfolio using its discretionary authority. The client may limit the terms of the LPOA to the extent consistent with the client’s investment advisory agreement with Integrity Investment Advisors and the requirements of the client’s custodian. the client, Integrity Investment Advisors does not implement For non-discretionary accounts, the client also generally executes an LPOA, which allows Integrity Investment Advisors to carry out trade recommendations and approved actions in the portfolio. However, in accordance with the investment advisory agreement between Integrity Investment Advisors and trading recommendations or other actions in the account unless and until the client has approved the recommendation or action. As with discretionary accounts, clients may limit the terms of the LPOA, subject to Integrity Investment Advisors’ agreement with the client and the requirements of the client’s custodian. Please Note: Non-Discretionary Service Limitations. Clients that engage Integrity Investment Advisors on a non-discretionary investment advisory basis must be willing to accept that Integrity Investment Advisors cannot affect any account transactions without obtaining prior verbal consent 19  to any such transaction(s) from the client. Thus, in the event of a market correction during which the client is unavailable, Integrity Investment Advisors will be unable to affect any account transactions (as it would for its discretionary clients) without first obtaining the client’s verbal consent. Item 17 – Voting Client Securities As a matter of firm policy and practice, Integrity Investment Advisors does not have any authority to and does not vote proxies or corporate actions on behalf of advisory clients. Clients retain the responsibility for receiving and voting proxies for all securities maintained in client portfolios. Integrity Investment Advisors, LLC may provide advice to clients regarding the clients’ voting of proxies. Item 18 – Financial Information Registered investment advisors are required in this Item to provide clients with certain financial information or disclosures about Integrity Investment Advisors, LLC financial condition. Integrity Investment Advisors has no financial commitment that impairs its ability to meet contractual and fiduciary commitments to clients and has not been the subject of bankruptcy proceedings. Integrity Investment Advisors does not require or solicit prepayment fees of more than $1200, per client, for services provided six months or more in advance. 20  Item 1 Cover Page – ADV Part 2B Brochure Supplement Todd J. Moerman, AWMA® CRD# 5806129 3275 Twin Heron Ct. Fort Collins, CO 80528 303-549-4720 invest@integrityia.com March 25, 2026 This Brochure Supplement provides information about Todd J. Moerman that supplements the Integrity Investment Advisors, LLC Brochure. You should have received a copy of that Brochure. Please contact Todd J. Moerman, Chief Compliance Officer, if you did not receive Integrity Investment Advisors, LLC’s Brochure or if you have any questions about the contents of this supplement. information about Todd J. Moerman is available on the SEC’s website at Additional www.adviserinfo.sec.gov. 21  Item 2 Education Background and Business Experience Todd J. Moerman was born in 1969. Mr. Moerman graduated from Miami University in 1991, with a Bachelor of Science degree in Finance. Mr. Moerman is the Founder and President of Integrity Investment Advisors, LLC founded in 2010. In 2012, Mr. Moerman earned his Accredited Wealth Management Advisor (AWMA®) designation from the College for Financial Planning. This accreditation is the CFP558 curriculum and covers the below. 3/2012 - Accredited Wealth Management Advisor (AWMA®) – minimum requirements include the below subject matter, passing a final exam and 16 hours of continuing education every two years.  The Asset Management Process Investors, Policy & Change   Risk, Return & Investment Performance  Asset Allocation & Selection Investment Strategies   Taxation of Investment Products  Investment Opportunities for an Individual’s Retirement Investment Considerations for Small-Business Owners Insurance Products for Investment Clients Income Tax & Executive Benefits Planning for High-Net-Worth Clients   Deferred Compensation & Other Benefit Plans for Key Executives   Estate Planning for Investment Clients  Regulatory & Ethical Issues for the Investment Professional  Risk Management & Investment Issues for High-Net-Worth Clients   Estate Planning for High-Net-Worth Clients Item 3 Disciplinary Information None. Item 4 Other Business Activities Mr. Moerman is the managing member of Integrity Investment Advisors, LLC, has a fifty percent (50%) ownership interest in 365 Tax Strategy, LLC (“365”), which provides tax preparation services. Clients of Integrity Investment Advisors, LLC are not required to engage 365 for tax preparation services, and any recommendations related to tax preparation services are made strictly in the best interest of clients of Integrity Advisors, LLC, which mitigates any potential conflicts. Mr. Moerman’s involvement with 365 takes up approximately 10 percent of his time. 22  Item 5 Additional Compensation None. Item 6 Supervision Integrity Investment Advisors’ Chief Compliance Officer, Todd J. Moerman, is responsible for overseeing the activities of the firm and himself. Should a client have any questions regarding Integrity Investment Advisors’ supervision or compliance practices, please contact Mr. Moerman at (303) 549-4720. 23  Item 1 Cover Page – ADV Part 2B Brochure Supplement Robert Samuel “Sam” Hamilton, CFP® CRD# 6331348 3275 Twin Heron Ct. Fort Collins, CO 80528 303-549-4720 invest@integrityia.com March 25, 2026 This Brochure Supplement provides information about Robert S. Hamilton that supplements the Integrity Investment Advisors, LLC Brochure. You should have received a copy of that Brochure. Please contact Todd J. Moerman, Chief Compliance Officer, if you did not receive Integrity Investment Advisors, LLC’s Brochure or if you have any questions about the contents of this supplement. Additional information about Robert S. Hamilton is available on the SEC’s website at www.adviserinfo.sec.gov. 24  Item 2 Education Background and Business Experience Robert Samuel Hamilton was born in 1995. Mr. Hamilton graduated from the University of Denver in 2017 with a Bachelor of Science degree in Accounting and a Master of Accountancy. Mr. Hamilton is the Lead Planner of Integrity Investment Advisors, LLC. In 2021, Mr. Hamilton earned his Certified Financial Planner (CFP®) Certification. Designations/Certifications: The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services and attain a bachelor’s degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning. Examination – Pass the comprehensive CFP® Certification Examination. The 6-hour examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances. Experience – Complete at least three years of full-time financial planning-related Financial Planning experience (or the equivalent, measured as 2,000 hours per year); and Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to maintain the right to continue to use the CFP® marks: Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and 25  Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to the CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Item 3 Disciplinary Information None. Item 4 Other Business Activities Mr. Hamilton is a lead tax advisor with 365 Tax Strategy, LLC (“365”), which provides tax preparation services. Clients of Integrity Investment Advisors, LLC are not required to engage 365 for tax preparation services, and any recommendations related to tax preparation services are made strictly in the best interest of clients of Integrity Advisors, LLC, which mitigates any potential conflicts. Mr. Hamilton’s involvement with 365 takes up approximately 20% of his time. Item 5 Additional Compensation None. Item 6 Supervision Integrity Investment Advisors’ Chief Compliance Officer, Todd J. Moerman, is responsible for overseeing the activities of Mr. Hamilton. Should a client have any questions regarding Integrity Investment Advisors’ supervision or compliance practices, please contact Mr. Moerman at (303)549-4720. 26