INVESTMENTS
Consulting by Integrity Financial Group
Discover the path to a secure and prosperous future with Integrity Financial Group. Our team is dedicated to guiding you through a personalized investment strategy that ensures you feel confident and empowered at every step of your financial journey.
Are you ready to transform uncertainty into opportunity? Reach out to us at (850) 466-5207 and let Integrity Financial Group help you build a tomorrow defined by financial confidence and lasting peace of mind.
We offer access to a diverse range of financial tools and pride ourselves on truly listening to your needs. By understanding your unique goals, we recommend tailored solutions that support your growth, security, and overall financial well-being. Whether you’re focused on building wealth,
protecting your assets, or simply exploring your best next step, we’re here to partner with you for a brighter future.
At Integrity Financial Group, we honor the dedication and thoughtful decisions you’ve made throughout your career. You can expect meticulous attention to detail, deep financial expertise, and a genuine commitment to your success. Let us help you achieve the secure and rewarding future you deserve.
INTEGRITY FINANCIAL GROUP
ANNUITIES
Fixed
SINGLE PREMIUM IMMEDIATE ANNUITY (SPIA)
A Single Premium Immediate Annuity, commonly referred to as a SPIA, is designed to immediately take advantage of the Lifetime Income strategy. By transferring a lump sum to a SPIA, the insurance company pays you a fixed amount of money starting immediately, either monthly or annually, for a specific period of time. Typically, these are guaranteed lifetime income, meaning the income will continue as long as the Annuitant or Joint Annuitant are alive. Period Certain options are available on SPlAs, which means they can be structured to have income last a set period of years, such as ten, twenty or thirty years. Joint-Life is another option that can spread the income to cover both lives of a married couple.
FIXED ANNUITY / MULTI-YEAR GUARANTEED ANNUITY (MYGA)
Fixed Annuities are the simplest types of annuities. They are commonly compared to CDs, but with a much higher rate of return. The length of the contract can vary, typically between one and ten years. Many Fixed Annuities are funded with a one-time lump sum, however some also have options for additional deposits over time. This ability to add funds after the contract is active makes this a popular option for individuals who are close to retirement, but are still accumulating savings.
Fixed Indexed
The Fixed Indexed Annuity is the newest type of annuity, having been created in 1995. It is also the fastest growing type of annuity today, experiencing a meteoric rise in popularity following the 2008/2009 market crash. The attractive benefit of the FIA is its ability to participate in the market gains via indexes, without any risk for loss. The client's funds are linked to—but not directly invested in-stock market indexes, such as the S&P 500, NASDAQ, Bloomberg, Barclays, PNB Parabus and others. Global indexes can also be available. The indexes allow the account to participate in a portion of the market upside.
​
However, if the index experiences a loss, the client's account locks in at zero percent, thereby protecting the investment. These products often include riders such as Lifetime Living Benefits, Long Term Care and Enhanced Death Benefits.
The chart below demonstrates a $100,000 investment over 15 years, from 2006 to 2020. This time frame saw both the 2008 extended crash as well as the 2020 quick crash. This shows that market investments take time to recuperate from a down-turn, while the FIA simply "freezes" during periods of loss but then gets to enjoy the upshot. This advantage is what drives the popularity of the FIA.
Variable
The Variable Annuity really stands on it's own in the annuity types. Unlike other annuities, a variable annuity comes with high risk, including the potential for loss. The client's funds are invested in sub-accounts, which are tied to the highs and lows of the stock market. Variable annuities usually have more moving parts and available riders.
FINANCIAL TOOLS
STOCKS, BONDS, AND MUTUAL FUNDS
At Integrity Financial Group, we believe that investing in the stock market should be both empowering and accessible. That’s why we partner with Charles Schwab, one of the nation’s most trusted investment platforms, to give our clients the tools, resources, and guidance they need to build lasting wealth.
Through Schwab’s robust trading platform and our personalized financial planning, you’ll gain:
​
-
Confidence in your investments – backed by Schwab’s industry-leading research and our tailored strategies.
-
Flexibility and choice – whether you’re interested in individual stocks, ETFs, or diversified portfolios, we help you navigate the options that fit your goals.
-
Professional guidance – our team at Integrity Financial Group works alongside you to align your investments with your retirement, income, and legacy planning.
-
Transparency and trust – with Schwab’s secure platform and our commitment to clarity, you’ll always know where your money is and how it’s working for you.
​
Investing in the stock market isn’t just about chasing returns—it’s about creating a plan that supports your future. With Charles Schwab’s powerful tools and Integrity Financial Group’s expertise, you can invest with confidence, knowing you have a partner dedicated to your success.
CREATIVITY & STRATEGIES
At Integrity Financial Group, we believe true financial guidance requires more than numbers—it requires vision. Our strength lies in the strategic precision we bring to every plan and the creative solutions we design to meet each client’s unique goals.
​
-
Strategy ensures that every recommendation is grounded in careful analysis, long-term planning, and a clear path toward financial security.
-
Creativity allows us to think beyond conventional approaches, tailoring solutions that reflect your personal journey and adapt to changing markets.
​
This combination sets us apart from other firms. Where many rely on one-size-fits-all methods, we blend disciplined strategy with innovative thinking to deliver plans that are both practical and inspiring. It’s how we help our clients not only protect their future but also discover new opportunities for growth and confidence.