TESTIMONIALS FROM OUR CLIENTS

These testimonials may not represent the experience of other clients. These testimonials are not indicative of future performance or success. These are not paid testimonials.

Art Ragsdale- President, Ragsdale Heating & Air, Dallas, GA

Scott came to me by referral from friends that I hold in high esteem; they advised me that he was a man of integrity that would increase my net worth. Despite my apprehensions, I followed their advice and am happy to report that they were "right on" - we've enjoyed the most exceptional investment returns!

Scott also reviewed our corporate retirement plan and made changes that have dramatically increased performance - my employees are enamored at the change.

Lastly, Scott advised me to seek asset protection and estate planning advice; he referred me to an estate-planning attorney that has helped us in these areas.

After many mistakes with other investment advisors, I've finally found someone that can be trusted both to do what's morally right and what's financially prudent.

Larry & Glenda Hunter- Land Developers, Hiram, GA

Scott has been our Financial Advisor since 1992 and we're happy to give an endorsement to him. He has saved us tens of thousands of dollars in taxes and made us a small fortune on our investments, despite the extremely difficult investment environment that we've been through. Although we know very little about investing, we do understand the consistently increasing numbers on our account statements.

Most importantly, we have peace in knowing that he honors God in his investment practice.

Jeff & Debra Eberhart- Dallas, GA

We called Scott on the recommendation of our Pastor who had experienced good investment results despite the protracted bear market of 2000-2003. He told us that Scott could be trusted to provide excellent investment advice. Scott reviewed our portfolio and rearranged it to more fully align with our level of risk tolerance.

Although we chose to invest conservatively because of the staggering losses that we had suffered under our prior advisor, our portfolio has increased substantially under Scott's management; we're delighted!

Scott also assisted us in resolving many other financial issues.

Greg Willis - Engineer, Atlanta, GA

I've worked with W. Scott Luper and Integrity Financial Management for the past fourteen years or so.

Scott has given me advice that has been worth hundreds of thousands of dollars to me:

In the year 2000 when he discovered that I had large holdings of Nortel stock in my 401k plan, he reviewed the fundamentals of the stock and recommended that I sell it promptly. I followed his advice and this stock subsequently plunged in value; this advice saved me an incredible fortune.

About two years ago, I decided to become self-employed and Scott was also able to provide me with a sound counsel on how to do this most efficiently. Due to his excellent prior advice, I decided to invest the entire sizable balance of my 401K with him. The value of this portfolio has escalated enormously in spite of rather challenging financial markets.

Thomas R. Kolias - Landscape Architect, Atlanta, GA

I began my relationship with Scott and Integrity Financial Management about seven years ago.

Scott originally counseled me on how to save a substantial amount of money on my insurances and invest these assets profitably in other investment vehicles.

Although my initial investment with Scott was not that significant, the excellent performance of his recommendations during the protracted bear market of 2000-2002 motivated me to invest much more with him.

Since this time, we have enjoyed extraordinary investment returns and today my net worth is very substantially higher as a result of his counsel.

Over the years, Scott has also provided me with self-employment consultation that has been of great benefit to me.

Dr. Stephen Leafe, DDS, Alpharetta, GA

We were referred to Integrity Financial Management in 1991. As a result of their restructuring efforts, we have been the happy recipients of substantially lower taxes and greatly enhanced investment returns. Through their wise council, we also avoided what would have been a devastating financial scheme. I wholeheartedly endorse them to anyone, and in particular those who are self-employed.

Jack & Maryann Coats - Retirees, Douglasville, GA

Our son, who had worked with Scott for about fifteen years, recommended him to us about two years ago.

Since we are in our mid-seventies, we are conservative investors, but our risk aversion was seriously affecting our investment income.

When we met with Scott, he was able to show us some conservative common sense investment techniques that significantly outperform the CDs that we had invested in previously. Over the past two years, our net worth is probably $100,000 more than it would have been had we not sought Scott's investment counsel and that with the peace of mind that's associated with a conservative investment style.

Barbara Garwood - Self-employed jewelry designer, Atlanta, GA

An employee of mine who was a member of Scott's church recommended him to me about five years ago. Although I was somewhat apprehensive due to poor past experiences with financial planners, Scott provided me with creative financial ideas that made sense and have saved me a significant amount of money. At first I only gave him a part of my portfolio, but after a short period of time I was very pleased with the results and gave him my entire portfolio.

The most outstanding aspect of my experience has been the exceptionally high investment return that I've experienced in the mutual funds and individual stocks that he's recommended.

Jim & Ramona Talley - Attorney, Dallas, GA

Scott has worked with us for about sixteen years. When we first met we had a few investments that were performing poorly and did not have a sound plan for retirement.

Today we have a portfolio that has very significantly out performed the market and are nearing total financial independence.

We've consistently been delighted with our investment returns and fully trust that Scott is looking out for our best interests. His advice has enhanced the quality of our lives and we recommend him totally.

Ruby Cantrell - Retired widow, Atlanta, GA

My husband and I initially met with Scott about seven years ago. As we experienced the difficulties of the Great Depression as children, throughout our lives we'd been extremely conservative investors. Despite our lack of financial knowledge, Scott was able to show us some very common sense ways to enhance our investment returns while keeping investment risk very low. These recommendations have given us reasonably consistent performance and have been very profitable.

About one year after we had initially met, my husband passed away. As a Christian widow, I have great comfort in knowing that Scott is a godly man who would not take advantage of me; he has consistently demonstrated that he has my best interests at heart.

I would recommend his services to anyone needing someone in whom to trust financially.

Rocco & Tara Sinisgalli - Builder, Atlanta, GA

We are self-employed builders in the Alpharetta area near Atlanta, GA and had contacted Scott on the recommendation of a friend about four years ago in desperation; our investments under a prior stockbroker had plummeted and we were licking our wounds over the significant losses that we had sustained.

When we met, Scott was able to help us gain understanding of many basic financial concepts and give us insight on the reasons behind some of the losses that we had sustained. He also gave us some creative financial strategies for our self-employment situation that seemed quite wise. Despite this, we were quite gun shy at first and apprehensive, so we moved very cautiously.

Over time, it became evident that Scott's recommendations were excellent and seemed to consistently out perform our expectations. So, little by little, we released more and more money to Scott's care until now, when we have virtually all of our assets under his management.

Scott has also been very consistent in tending to our account and contacting us to keep us informed. For the first time ever, we have financial peace of mind and a sense that we're being well cared for by someone who's integrous and sincere.

Sam & Susan Hocking - Retirees, Asheville, NC

My wife and I were referred to Scott by a close friend here in Asheville about 18 months ago after having come into an inheritance.

Since we had never been investors and did not have much financial knowledge, it was important for us to work with someone that we'd be able to trust.

After meeting with Scott and discerning that he was honest, we decided to trust him with the investment of most of this inheritance; we're happy to say that we're glad that we did. Although he's invested our assets conservatively they have grown well.

Scott's professionalism also leads him to be very efficient and to the point in all of his communications with us, which we appreciate greatly; we've recommended him to several of our friends.

Richard & Dianne Harper - Retired land developer, Asheville, NC

I started working with Scott on a recommendation of a good friend about 18 months ago on his arrival in Asheville. Having experienced poor investment returns from the recommendations of other stockbrokers, I was very skeptical but decided to listen and invest a relatively small amount of my net worth with Scott in individual stocks.

In short order, it became quite evident that Scott was much more capable than I had first supposed. Many of the stocks that he recommended skyrocketed and, overall, the funds that I invested with him have grown considerably in value.

Perhaps what I like best is that Scott recommends to his clients what he does personally; I really have no reservations about his ability or integrity and recommend him wholeheartedly.