About Us
Integrity Wealth Management, LLC is an Ohio based Registered Investment Advisor (RIA) owned and operated by Stephen Zorko and Janet Zorko.
Our Team
IWM has assembled a team of talented tax, estate planning, legal and insurance experts who are dedicated to planning for your future and making sure your assets are working for you.
Stephen G. Zorko, CFP® & Owner
Integrity Wealth Management, LLC
Integrity Wealth Management, LLC
118 Cedar Woods Drive,
Loveland, OH 45140
Phone: (513) 633-8370
Email:
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Website: www.iwmcfp.net
Over 30 years of business management experience in the aerospace materials industry, along with investment advisor and financial planning training have more than prepared Steve to own and operate IWM. Steve held several executive positions in public, private and private equity businesses. A passion for financial planning, a dream of owning a business and a few life experiences were the catalysts to starting IWM in 2004. Steve is committed to providing the same care and attention to client’s needs as he exercises with his family’s financial planning needs. Steve is knowledgeable, passionate, caring and most of all dedicated to helping others plan for their futures. His focus in IWM is on client engagement, developing financial plans and managing client portfolios.
Steve received a B.S. Degree in Engineering from The Ohio State University and a M.S. Degree in Engineering from the University of Cincinnati. Steve is a veteran of the U.S. Army and was awarded the rank of Eagle Scout by the Boy Scouts of America. Steve lives in Loveland, OH with his wife, and business partner, Janet. He enjoys watching his daughters thrive as young adults, spending time with his dogs Owen and Roscoe, and advancing his skills in Hapkido, a Korean martial art focused on self-defense.
- 2007: Registered as a Certified Financial Planner, CFP®, with the Certified Financial Planner Board of Standards, Inc.
- 2005: Kaplan University Certificate in Financial Planning
- 2004: NASAA (North American Securities Administrators Association) Series 65 Investment Advisor Law Examination administered by FINRA (Financial Industry Regulatory Authority)
Previous employers: Alcoa Inc. (formerly Firth Rixson), Spectrum Metals, Interturbine (now owned by United Technologies Corp.) and GE Aviation.
Janet S. Zorko, Investment Advisor Representative
Integrity Wealth Management, LLC
Integrity Wealth Management, LLC
118 Cedar Woods Drive,
Loveland, OH 45140
Phone: (513) 289-6946
Email:
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Website: www.iwmcfp.net
Janet has extensive experience in creating and maintaining client accounts, asset transfers, automating period deposits/withdrawals and the buying and selling of equities and mutual funds. She originally joined IWM as an Investment Advisor Representative and also serves as the Chief Compliance Officer. She has primary responsibility for the daily operations of the company. Since IWM’s inception, Janet has developed an in depth knowledge of the Fidelity Institutional Wealth Services® platform. In addition to her formal training, she continues to enhance her skills with continuing education provided by Fidelity Investments and industry professional societies.
Janet also has long been involved in the community by serving in leadership roles for the L.I.F.E. Food Pantry and St. Columban Catholic Church in Loveland, OH. She also has notable experience in the area of elder care. Prior to starting her family, Janet received her B.A. Degree in Marketing from Xavier University and worked in the personnel recruiting industry as an Account Manager. In addition to the business that she shares with her husband Steve, she enjoys spending quality time with her daughters, daily walks with the dogs and Zumba classes.
- 2004: NASAA (North American Securities Administrators Association) Series 65 Investment Advisor Law Examination administered by FINRA (Financial Industry Regulatory Authority
Our Partners
Lori Lucas, CPA® & Owner
Lori Lucas, CPA®
Lori Lucas, CPA®
6279 Tri-Ridge Blvd., Suite 230
Loveland, OH 45140
Phone: (513) 677-1684
Email: :
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Website: www.cincinnatitaxcpa.com
Dedicated to providing her clients with professional, personalized services and guidance in a wide range of financial and business needs, Lori brings 25 years of tax and accounting experience to her Loveland firm. Her firm also provides services in the following areas: reviews, compilations, bookkeeping/write up, QuickBooks accounting help and assistance and payroll services. Before owning her own practice, Lori worked at Deloitte & Touche and Grant Thornton. Lori is a graduate of the University of Cincinnati.
Lori assists IWM’s clients with Tax Management Services, Tax Preparation Services and General Accounting Services.
Nancy Burns, Attorney
The Law Office of Nancy J. Burns, LLC
The Law Office of Nancy J. Burns LLC
250 East Fifth St., Suite 1500
Cincinnati, OH 45202
Phone: (513) 562-1545
Email:
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Website: www.nancyburnslaw.com
Nancy J. Burns’ practice is concentrated in the areas of Estate Planning and Wealth Preservation, Probate and Trust & Estate Administration and Tax Planning. She also advises families who are caring for elderly parents and has experience in arranging provisions for pets if the owner becomes disabled or dies.
Nancy, frequently speaks to parents’ groups on the importance of estate planning and wealth preservation. She is the mother of four young children, active in the International Adoption Center at Cincinnati Children's Hospital Medical Center.
Nancy received her J.D. in Law from the Salmon P. Chase College of Law of Northern Kentucky University and her B.A. from Northern Kentucky University. She was admitted in 1995 in Ohio and is a member of the Ohio State Bar Association and the Cincinnati Bar Association.
E. Todd Wilkowski, Attorney & Member
Frost Brown Todd, LLC
Frost Brown Todd LLC
9277 Centre Pointe Drive, Suite 300
West Chester, OH 45069
Phone: (513) 870-8241
Email:
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Website: www.frostbrowntodd.com
Todd focuses his practice as a Member at Frost Brown Todd, and sharing his expertise with IWM, to serving private, closely held and/or family-owned businesses with their Corporate and Transactional Law, Litigation and Dispute Resolution Management, Labor and Employment Law, Governmental Relations, and Compliance and Ethics issues.
Todd has a unique background that started with a career as a US Air Force officer and progressed to construction law and general counsel. He has extensive experience in a myriad of legal issues within corporate law to private practice and general counsel. Todd takes a proactive approach in identifying and providing innovative solutions to issues impeding his clients’ continued development and success and advises his clients on potential strategies for seizing current market opportunities while concurrently and effectively reducing critical enterprise risk.
Todd received his J.D. in Law and a M.A. in Public Policy from the Regent University School of Law. He received a B.S. in International Relations and Affairs from the United States Air Force Academy.
Fidelity Institutional Wealth Services ®
Our recommended provider of custodial and brokerage services is Fidelity Institutional Wealth Services®, a leading provider of trading, custody, and brokerage services to Registered Investment Advisors, Trust Institutions, and Third-Party Administrators.
By utilizing the Fidelity Institutional Wealth Services® platform, IWM is able to provide a wide range of investment products and tools for use in managing clients’ investments including clearing and custody services. The platform also provides clients complete access to the support of Fidelity Investments. Through our relationship with Fidelity Institutional Wealth Services®, you will receive a simplified, consolidated statement each month reflecting all your investment positions and transactions in your Fidelity Investments® brokerage account.
Fidelity Investments is an independent company, unaffiliated with Integrity Wealth Management, LLC. Fidelity Investments is a service provider to Integrity Wealth Management, LLC. There is no form of legal partnership, agency affiliation, or similar relationship between your financial advisor and Fidelity Investments, nor is such a relationship created or implied by the information herein. Fidelity Investments has not been involved with the preparation of the content supplied by Integrity Wealth Management, LLC and does not guarantee or assume any responsibility for its content. Fidelity Investments and Fidelity Institutional Wealth Services are registered service marks of FMR LLC. Clearing, custody, or other brokerage services may be provided by National Financial Services LLC or Fidelity Brokerage Services LLC.
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Approach
We believe a thorough review of your current finances, clearly defining goals, careful planning and disciplined execution are all key to attaining your goals. Beginning with our initial meeting, we will work with you to identify, define and prioritize your unique goals (e.g. maximizing retirement income, early retirement, financial independence, funding college educations). Our commitment to you is to exercise the same level of attention, care and diligence as we do for ourselves and our family.
Process
Our planning software allows us to run multiple scenarios until we have a set of assumptions that yield a plan acceptable to you. As a result of following a well-defined, thorough step by step, process, we will develop a financial plan that is tailored to your unique needs. Over time, situations and needs may change and that is why your plan is a living document that will be used to navigate your financial future.
Every couple of years, we will review your plan to determine if the savings, investing and spending levels are on track with the plan we developed. We also revisit the plan when you experience significant life events such as the birth of a child, a job change, a marriage or a divorce. In every instance, we will capture the actions required to stay on track to your plan and follow them through to completion.
At the end of the day, we want you to have ownership of the plan and to experience the peace of mind that comes with knowing you are on track. We will help navigate your financial future and provide sound advice along the way until your goals become reality.
IWM uses a process that is based on the Financial Planning Practice Standards that were developed by the Certified Financial Planner Board of Standards, Inc. (CFP® Board). The standards were designed to establish norms of practice, advance professionalism and enhance the value of the financial planning practice.
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