Jodi Karambela, a Certified Financial Planner (CFP®), is the Founder and President of Integral Investment Advisors, Inc. She has over 18 years of experience in the investment industry and holds a certificate in Personal Financial Planning from the University of California, Berkeley. Prior to launching Integral Investment Advisors, a registered independent advisory firm, she was a Vice President and Financial Consultant with Charles Schwab & Co., Inc. where she served as Branch Manager and specialized in managing assets for high net worth investors.
Jodi helps clients in Integral’s wealth management division by providing comprehensive guidance that includes estate planning and financial planning in addition to investment management. Advising clients in such a thorough manner allows her to build deeper relationships and provide better value to her clients.
Jodi serves on the board of directors for the Great Valley Museum. Her philanthropy with the American Red Cross has also earned her membership in the Tiffany Circle.
Michael Abram, a Principal of Integral Investment Advisors, Inc., serves as the Portfolio Manager for Integral’s wealth management division and as the firm’s Chief Compliance Officer. Mike has a Ph.D. in Mathematics from the University of Southern California and is working toward earning a CFP® designation.
Mike’s strong mathematical background and affinity for spreadsheets makes him excel at problem solving and planning for the diverse needs of clients in Integral’s wealth management division. He is also passionate about educating clients about various financial topics so they can have more confidence and peace of mind about their entire financial picture.
As Chief Compliance Officer, Mike ensures that the firm complies with all regulatory requirements issued by the SEC and is responsible for developing and implementing policies and procedures to ensure Integral’s operations are transparent, held to a high ethical standard, and in the best interests of our clients.
Mike is proud to serve his hometown community of Turlock and contribute to its legacy. He is an active member of Advancing Children of Turlock, a non-profit whose mission is to enrich the community by providing opportunities to underprivileged children. Mike and his wife Cassie have a Yorkie named Zoë who makes frequent appearances at the office.
Pamela Miller Gonzales is a Financial Advisor/Portfolio Manager with Integral Investment Advisors, Inc. Prior to joining the Firm, Pam was with Merrill Lynch for 22 years as a Business Management Analyst, Sr. Financial Associate and Assistant Vice President. She has achieved the designation of Chartered Retirement Planning Counselor℠ (CRPC®) through the College of Financial Planning.
Pamela’s professional focus specializes in asset management, retirement planning, financial planning and customized portfolios for high net worth families, individuals, trusts, endowments and businesses. Regardless of your stage in life, financial planning is a must. Her strengths lie in the ability to listen and spend time with her clients, understanding their goals, needs and objectives to successfully provide advice and portfolio management for her clients and their heirs.
James Horning is a Sr. Vice President and Sr. Portfolio Manager at Integral Investment Advisors, Inc. He has 22 years of experience in the investment industry, twenty of which he served at Merrill Lynch Private Client as Assistant Vice President and Sr. Financial Consultant.
During his time there, he was responsible for managing the assets of high net worth investors in the “Merrill Lynch Private Client” advisory program. James has helped investors at every stage of building their financial future, from starting portfolios to developing plans for retirement income sources.
James has also been an active community leader, concentrating his efforts at the American Red Cross as a board member and philanthropy chair for their capital region.
Kristen Marinovic is a Financial Advisor with Integral Investment Advisors. She has over 30 years experience in the investment and financial services industry. Prior to her current position, Kristen was with Charles Schwab & Co., Inc. as Vice President, Branch Manager and Senior Financial Consultant. Kristen also worked for Morgan Stanley Smith Barney as Assistant Vice President and Compliance Officer, overseeing Operations and Compliance for three satellite branches.
Prior to her brokerage career, Kristen was Vice President and Portfolio Manager for Banc Texas, managing a $300 million bond portfolio for the lead Dallas bank and its eleven affiliate banks.
Kristen is a trustee of the University of California, Santa Cruz Foundation Board and a member of the Dean’s Council for the Physical and Biological Sciences Division. Kristen is also past president of the Friends of Long Marine Lab/UC Santa Cruz and New Horizons School, Santa Cruz.
Kristen holds an Accredited Asset Management Specialist (AAMS) designation.
Bill Rackley directs investments and coordinates financial planning advice for his clients at Integral Investment Advisors. After earning a B.A. in Business Economics from Brown University, he worked in the fields of Private Banking and Wealth Management in the Bay Area for the past 14 years.
Before, Bill worked with Spear, Leeds & Kellogg, Merrill Lynch and Smith Barney’s Wealth Management segments as a Financial Advisor on a Stock Plan Administration team. This experience is utilized while planning for clients who own stock or receive various forms of equity compensation. Bill sought an opportunity to work with clients under a more direct, client-personalized arrangement with Integral Investment Advisors.
Many of Bill’s clients are from the Bay Area and throughout the U.S. A large focus of his practice involves working with creative clients in various media, film and artistic industries as well as with clients currently accumulating and growing their assets.
Bill lists travel photography as a favorite activity, alongside of playing violin and guitar. He regularly plays stringed instruments with our local civic symphonies, and photographs for the local Marine Mammal center.
Meet our support team
Paulette Cooper, Operations Manager
Lorraine Grob, Compliance Manager
Ruth Fortado, Administrative Assistant
Judy Hoesch, Administrative Assistant