{"url":"https://nivawealth.com/firms/integrated-benefits-112518","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/112518","regulatoryAum":101291369,"crd":"112518","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1260290","suffix":null,"lastName":"STACHNIK","firstName":"ROY","middleName":"EDWIN"},{"crd":"6940084","suffix":null,"lastName":"STACHNIK","firstName":"SARAH","middleName":"KATHERINE"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-03-12","regulatoryAum":100501171,"clients":73,"employees":2,"offices":2},{"filedOn":"2026-10-01","regulatoryAum":101291369,"clients":155,"employees":2,"offices":2}],"secFileNumber":"801-132391","legalName":"Integrated Benefits, Incorporated","displayName":"Integrated Benefits","slug":"integrated-benefits-112518","website":"https://ibiadvisors.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Colorado corporation","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"14 April 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":541398.3533333334,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":101291369,"discretionary":81209753,"discretionaryAccounts":150,"nonDiscretionary":20081616,"nonDiscretionaryAccounts":5,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":125},"clientTypes":[{"label":"Individuals (other than HNW)","clients":125,"regulatoryAum":53427609},{"label":"High-net-worth individuals","clients":25,"regulatoryAum":27782144},{"label":"Pension and profit-sharing plans","clients":5,"regulatoryAum":20081616}],"feePrograms":[{"role":"other","program":"Financial planning and consulting","summary":"Hourly engagements are billed at up to $350 per hour; fixed and recurring fees range from $500 to $10,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1059789","versionId":1059789,"submittedOn":"2026-10-01","documentName":"FORM ADV PART 2A - FIRM BROCHURE - INTEGRATED BENEFITS, INCORPORATED"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T12:13:33.093415+00:00","documents":[{"name":"FORM ADV PART 2A - FIRM BROCHURE - INTEGRATED BENEFITS, INCORPORATED","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1059789","versionId":1059789,"submittedOn":"2026-10-01"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":98556728}],"custodyNote":"Integrated Benefits does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Roy Stachnik","title":"President and Owner","crd":"1260290"},{"name":"Sarah Stachnik","title":"Chief Compliance Officer and Owner","crd":"6940084"}],"ownership":[{"label":"Sarah Stachnik","detail":"Chief compliance officer and owner in the 10% to 25% ownership band and a control person, since April 2025."},{"label":"Roy Stachnik","detail":"President and owner in the 75% or more ownership band and a control person, since May 1997."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Colorado","offices":1,"addresses":[{"street":"135 West Main St.","city":"Aspen"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"970-618-3000","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":87},{"label":"Cash and cash equivalents","percent":12}],"privateFunds":0},"sources":{"adv1FilingDate":"1 October 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/112518/PDF/112518.pdf","brochureDate":"1 October 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1059789","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Integrated Benefits have?","answer":"Integrated Benefits has 155 clients and manages $101 million for them, as of October 2026. They include 125 individual clients, 25 high-net-worth individuals, and 5 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 1 October 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Integrated Benefits offer?","answer":"Integrated Benefits provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Integrated Benefits use?","answer":"Integrated Benefits’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $98.6M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 October 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Integrated Benefits have?","answer":"Integrated Benefits has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Integrated Benefits invest in?","answer":"At the end of its last fiscal year, Integrated Benefits’ separately managed accounts held 87% registered funds (mutual funds, ETFs, BDCs), 12% cash and equivalents and 1% U.S. government and agency bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Integrated Benefits?","answer":"Integrated Benefits’ direct owners are Sarah Stachnik (10% to 25%) and Roy Stachnik (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 1 October 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Integrated Benefits get paid?","answer":"Integrated Benefits is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Integrated Benefits?","answer":"Its phone number is 970-618-3000. Its website is ibiadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 1 October 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}