# INTEGRITY INVESTMENTS, INC. X-17A-5 (2026-02-24) — Broker-dealer annual report - Company: INTEGRITY INVESTMENTS, INC. - Form: X-17A-5 - Filed: 2026-02-24 - Period: 2025-12-31 - Accession: 0000894060-26-000001 - CIK: 894060 - File #: 8-45302 - Type: Broker-dealer - Material weakness: No - Auditor: Jere A Berkey, CPA - Auditor location: Racine, WI - Contact: Richard F Curcio - Phone: 941 350-0471 - Email: rcurcio@reitsales.com - Website: reitsales.com - Signed by: Richard F Curcio (Chairman) Original filing: https://www.sec.gov/Archives/edgar/data/894060/000089406026000001/2025AnnualReport_1.pdf --- {0}------------------------------------------------ # INTEGRITY INVESTMENTS, INC. ( A CORPORATION ) # FINANCIAL STATEMENTS YEAR ENDED DECEMBER 31, 2025 JERE A. BERKEY, C.P.A. CERTIFIED PIBLIC ACCOUNTANT RACINE, WISCONSIN {1}------------------------------------------------ #### UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 | ANNUAL REPORTS | |----------------| | FORM X-17A-5 | | PART III | | OMB APPROVAL | | | | |---------------------------|--|--|--| | OMB Number: 3235-0123 | | | | | Expires: Nov. 30, 2026 | | | | | Estimated average burden | | | | | 12
hours per response: | | | | | | | | | | SEC FILE NUMBER | | |-----------------|--| | 8-45302 | | FACING PAGE Information Required Pursuant to Rules 17a-5, 17a-12, and 18a-7 under the Securities Exchange Act of 1934 AND ENDING\_12/31/2025 filing for the period beginning 01/01/2025 MM/DD/YY MM/DD/YY A. REGISTRANT IDENTIFICATION NAME OF FIRM: INTEGRITY INVESTMENTS, INC. TYPE OF REGISTRANT (check all applicable boxes): Check here if respondent is also an OTC derivatives dealer ല Broker-dealer ADDRESS OF PRINCIPAL PLACE OF BUSINESS: (Do not use a P.O. box no.) ### 333 TAMIAMI TRAIL S STE 388 | | (No. and Street) | | | | | | | |--------------------------------------------------------------------------------------------------|------------------------------------------------------------|-----------------------|--------------------------------------------|--|--|--|--| | FLORIDA
VENICE | | | 34285 | | | | | | (City) | (State) | | (Zip Code) | | | | | | PERSON TO CONTACT WITH REGARD TO THIS FILING | | | | | | | | | RICHARD F CURCIO | 941 350-0471 | rcurcio@reitsales.com | | | | | | | (Name) | (Area Code - Telephone Number) | (Email Address) | | | | | | | B. ACCOUNTANT IDENTIFICATION | | | | | | | | | INDEPENDENT PUBLIC ACCOUNTANT whose reports are contained in this filing *
JERE A BERKEY, CPA | | | | | | | | | | (Name - if individual, state last, first, and middle name) | | | | | | | | 233 Lake Ave, Apt 410 | Racine | WI | 53403 | | | | | | (Address) | (City) | (State) | (Zip Code) | | | | | | 02/23/2010 | | 3761 | | | | | | | (Date of Registration with PCAOB)(if applicable) | | | (PCAOB Registration Number, if applicable) | | | | | | | FOR OFFICIAL USE ONLY | | | | | | | \* Claims for exemption from the requirement that the annual reports of an independent public accountant must be supported by a statement of facts and circumstances relied on as the basis of the exemption. See 17 CFR 240.17a-5(e)(1)(ii), if applicable. Persons who are to respond to the collection of Information contained in this form are not required to respond unless the form displays a currently valid OMB control number. {2}------------------------------------------------ #### OATH OR AFFIRMATION RICHARD F CURCIO swear (or affirm) that, to the best of my knowledge and belief, the financial report pertaining to the firm of INTEGRITY INVESTMENTS, INC. as of 12/31 , 2 025 partner, officer, director, or equivalent person, as the case may be, has any proprietary interest in any account classified solely as that of a customer. > Notary Public State of Florida Lauren Curry My Commission HH 507297 Expires 11/14/2027 Signature: Title: CHAIRMAN Notary Public #### This filing \*\* contains (check all applicable boxes): - (a) Statement of financial condition. - (b) Notes to consolidated statement of financial condition. - | (c) Statement of income (loss) or, if there is other comprehensive income in the period(s) presented, a statement of comprehensive income (as defined in § 210.1-02 of Regulation S-X). - (d) Statement of cash flows. - = (e) Statement of changes in stockholders' or partners' or sole proprietor's equity. - (f) Statement of changes in liabilities subordinated to claims of creditors. - (g) Notes to consolidated financial statements. - | - [ (i) Computation of tangible net worth under 17 CFR 240.18a-2. - (j) Computation for determination of customer reserve requirements pursuant to Exhibit A to 17 CFR 240.15c3-3. - □ (k) Computation for determination of security-based swap reserve requirements pursuant to Exhibit B to 17 CFR 240.15c3-3 or Exhibit A to 17 CFR 240.18a-4, as applicable. - [] (I) Computation for Determination of PAB Requirements under Exhibit A to § 240.15c3-3. - □ (m) Information relating to possession or control requirements for customers under 17 CFR 240.15c3-3. - [] (n) Information relating to possession or control requirements for security-based swap customers under 17 CFR 240.15c3-3(p)(2) or 17 CFR 240.18a-4, as applicable. - (o) Reconciliations, including appropriate explanations, of the FOCUS Report with computation of net capital or tangible net worth under 17 CFR 240.15c3-1, 17 CFR 240.18a-1, or 17 CFR 240.18a-2, as applicable, and the reserve requirements under 17 CFR 240.15c3-3 or 17 CFR 240.18a-4, as applicable, if material differences exist, or a statement that no material differences exist. - O (p) Summary of financial data for subsidiaries not consolidated in the statement of financial condition. - , (q) Oath or affirmation in accordance with 17 CFR 240.17a-5, 17 CFR 240.17a-12, or 17 CFR 240.18a-7, as applicable. - O (r) Compliance report in accordance with 17 CFR 240.17a-5 or 17 CFR 240.18a-7, as applicable. - @ (s) Exemption report in accordance with 17 CFR 240.17a-5 or 17 CFR 240.18a-7, as applicable. - (t) Independent public accountant's report based on an examination of the statement of financial condition. - □ (u) Independent public accountant's report based on an examination of the financial statements under 17 CFR 240.17a-5, 17 CFR 240.18a-7, or 17 CFR 240.17a-12, as applicable. - □ (v) Independent public accountant's report based on an examination of certain statements in the compliance report under 17 CFR 240.17a-5 or 17 CFR 240.18a-7, as applicable. - | {w}|ndependent public accountant's report based on a review of the exemption report under 17 CFR 240.17a-5 or 17 CFR 240.18a-7, as applicable. - | as applicable. - | (y) Report describing any material inadequacies found to have existed since the date of the previous audit, or a statement that no material inadequacies exist, under 17 CFR 240.17a-12(k). - □ (z) Other: \_ - \*\* To request confidential treatment of this filing, see 17 CFR 240.17a-5(e)(3) or 17 CFR 240.18a-7(d)(2), as applicable. {3}------------------------------------------------ Integrity Investments, Inc. 333 Tamiami Trail S Suite 388 Venice, FL 34285 February 20, 2026 Securities and Exchange Commission SEC Headquarters 100 F Street NE Mail Stop 8031 Washington, DC 20549 RE: Integrity Investments, Inc., claims exemption from SEC Rule 15c3-3:(k)(2)(i) Gentleman, We acknowledge that Integrity Investment's management is responsible for being in compliance for the required exemption provisions throughout its fiscal year 2025. Integrity Investments, Inc. has met the exemption provisions as stated in paragraph (k) (2) (i) of SEC Rule 15c3-3 without exception throughout its 2025 fiscal year. Integrity Investments, Inc., is an "Application Way" broker dealer and does not hold or otherwise handle any customer securities or funds. Integrity Investments, Inc. management has made available to the auditor all records and other information relevant to the Broker-Dealer's assertions, including all communications from regulatory agencies, internal auditors, others who perform an equivalent function, compliance functions and other auditors concerning possible exception provisions, received through the date of the auditor's report. Subsequent to the period addressed, fiscal year ended December 31, 2025 and assertions made, there have been no known events or other factors that might significantly affect Integrity Investment's compliance with the identified exemption provision. Thank you, Chairman Integrity Investments, Inc. 333 Tamiami Trail S Suite 388 Venice, FL 34285 (941) 350-0471 {4}------------------------------------------------ # Jere A Berkey C.P.A. 233 Lake Avenue # 410 Racine, Wisconsin 53403 To the Board of Directors Integrity Investments, Inc. Venice, Florida ### Report of Independent Registered Public Accounting Firm 111 Broker-Dealer Exemption Report I have reviewed management's statements, included in the accompanying III Broker-Dealer Exemption Report, in which Integrity Investments, Inc. identified the following provisions of 17 C.F.R.,15c3-3(k) under which Integrity Investments, Inc. claimed exemption from 17 C.F.R ., 240.15c3-3 (k)(2)(i) and Integrity Investments Inc. stated that Integrity Investments, Inc. met the identified exemption provisions throughout the most recent fiscal year without exception. Integrity Investment's management is responsible for the compliance with the exemption provisions and its statements. My review was conducted in accordance with the standards of the Public Company Accounting Oversight Board ( United States ) and accordingly, included inquiries and other required procedures to obtain evidence about Integrity Investments, Inc. compliance with the exemption provisions. 1 {5}------------------------------------------------ Integrity Investments, Inc. Report of Independent Registered Public Accounting Firm III Broker-Dealer Exemption Report A review is substantially less in scope than an examination. The objective of which is the expression of an opinion on management's statements. Accordingly, I do not express an opinion. Based on my review, I am not aware of any material modifications that should be made to management's statements referred to above for them to be fairly stated, in all respects, based on the provisions set forth in (k)(2)(i) of rule 15-c3-3 under the Securities Exchange Act of 1934. Jere A Berkey C.P.A. February 22, 2026 2 {6}------------------------------------------------ # Jere A Berkey C.P.A. 233 Lake Avenue # 410 Racine, Wisconsin 53403 To the board of Directors Integrity Investments, Inc. Venice, Florida Re: Report on Reconciliation of differences between 12/31 Focus and audited financials. As part of my audit procedures, I examined the Focus Report, ( Financial and Operational combined Uniform single Report, part 11A ) Form X-17A-5, for the period ending December 31, 2025 and the Supplemental Statement of Income, form SS01 for the period October 1 through December 31, 2025 and reconciled differences between the Focus Report and Audited Financials. There were a few minor differences reported in the balance sheet in the areas of depreciation and investment in the subsidiary I M & R. I have made these differences known to company management who will than update and amend its December 31, 2025 FOCUS filing to ensure that the filing matches the audit. Jere A Berkey, C.P.A. Racine, Wisconsin February 22, 2026 {7}------------------------------------------------ Jere A Berkey C.P.A. 233 Lake Avenue # 410 Racine, Wisconsin 53403 #### To the Board of Directors Integrity Investments, Inc Venice Florida Re: Report on Internal Control required by SEC Rule 17a-5(g)(1) In planning and performing my audit of the financial statements of integrity Investments, Inc., as . The standards and the Research a 31, 2025, in accordance with the auditin In planning and performing my audr of the minitial statements intential one anderds generally of and for the year ended December 31, 2025, in accordance with internal contro of and for the year ended Decef her sin, 2005, in acod the company's internal control over accepted in the United States of Amenea, normalisms on y auditing procedures for the financial reporting ( internal control ) as a basis for designing my auditing for the pur financial reporting (Thernal control') as a basicial statements, but not for the purpose of purpose of expressing an opinion on the financial statemanys internal control. Acc purpose of expressing an opinion of the miantial control. Accordingly, I do expressing an opinion on the effectiveness of the Company's internal control. expressing an opinion on the effectiveness of the Company's internal control. Also, as required by Rule 17a-5(g)(1) of the Securities and Exchange Commission ( SEC ), I n Cluding Collection of the Sinced processformed by the Company including Also, as required by Rule 17 a-5(g) (1) of the occurities. This study included the tests of have made a study of the practices and procedures noisties. This study included tests of such consideration of control activities in salegarding stated in Rule 17a-5(g) in the 17a-5(g) in practices and procedures that I considered relevant to the capital under Rule 17 practices and procedures that i considered relevant to the capital under Rule 17a-3(a) making the periodic computations of aggregate indebtedness and net Cule 15c3-3. Because making the periodic computations of aggregate incolical of Rule 15c3-3. Because the (11) and for determining compliance with the exemptive provisions of Rule ( (11) and for determining compliance with the others or perform custodial functions Company does not carry securities accounts for customers or procedures followed by Company does not carry securities accounts for customers of policity Company in any of the following: - 1. Making quarterly securities examinations, counts, verifications, and comparisons and comparisons in Making quarterly coufferences required by Rule 17a-13 - 2. Complying with the requirements for prompt payment for securities under Section Complying with the requirements for prompt payments of the Federal Reserve System. {8}------------------------------------------------ Integrity Investments, Inc. Report on Internal Control Required by SEC Rule 17a-5(g)(1) The management of the Company is responsible for establishing and maintaining internal The management of the Company is responsible in 'other preceding paragraph. In fulfilling this control and the practices and progethers by management are required to assess the expected responsibilitiy, estimates and judgements by management and procedures referred to responsibility, estimates and judgenems by the practices and procedures referred to in the benefits and related costs of controls and on the procedures can be expected preceding paragraph and to assess when the objectives. Two of the objectives of internal control to achieve the SEC's previously frientioned objectives and with reasonable but not absolutes and the practice and procedures an to province managements in accorded against loss assurance that the assets for which the Company has responsibility are safeguance with assurance that the assets for which the company had to preparation of financial from unauthorized use or disposition and the preparation of financial management's authorization and recorded accounting principles. Rule 17a-5(g) lists statements in conformity with generally accepted in the preceding paragraph, statements in conformly with generally adooptod associated in the preceding paragraph. additional objectives of the practices and procedures listed in the preceding paragraph Because of inherent limitations in internal control and the practices and procedures referred to Because of innerent limitations in internal conter and also, projection of them them above, error or fraud may occur and that may become inadequate of changes in conditions to future periods is subject to risk that may become inadequate of changes in conditio to future penods is Subject their design and operation my deteriorate. A control deficiency exists when the design or operation of contol does not allow management or A control deficiency exists when the designed functions, to prevent or defect employees, in the normal course of performing their assigned functions, or a combination of employees, in the normal course of performing is a deficiency is a deficiency, or a combination of misstatements on a timely basis. A significan contract weakness, yet important deficiencies, in internal control that is less several neuropes enough to merit attention by those charged with governance. A material weakness is a deficiency, or a combination of deficiencies, in internal control, such that A material weakness is a denciency, or a cerilibrate ement of the company's financial there is a reasonable possibility that a material misstatement on a timely hasis there is a reasonable possibility our detected and corrected on a timely basis. My consideration of internal control was for the limited purpose described in the first and second My consideration of internal control was for the in interal control that might be paragraph and would not necessarily indentify all deficience control and control activiti paragraph and would not necessarily indentify any deficiencies in internal control activities material weaknesses. I did not identify any deficiencies in internal oneviously. material weaknesses. I did not luentify any densider to be material weaknesses, as defined previously. for safeguarding securities that I consider to be material weaknesses, I understand that practices and procedures that accomplish the objectives referred to in the l understand that practices and procedures that toobs . SEC to be adequate for its purposes in second paragraph of this report are considered by the end regulations, and that practices accordance with the Securities Exchange Act of moterial respects indicate a material accordance with the Securities Exchange Accorner and material respects indicate a material and procedures that do not accomplish such objectives and my study | believe that t and procedures that do not accomplish suble by the second paragraph of this report. inadequacy for such puposes. Based on this understanting as a many of this report, were Company's practices and procedures, as described in the second paragraph of this repor Company's practices and 2025, I to meet the SEC's objectives. {9}------------------------------------------------ Integrity Investments, Inc. Report on Internal Control Required by SEC Rule 17a-5(g)(1) This report is intended solely for the information and use by the Board of Directors, management, This report is intended solely for the Initimation and as by the begines that rely on the SEC, ( Designated self-regulatory organization ), and other regulation of registered the SEC, ( Designated self-regulation ); and other regulation of registered brokers Rule 17a5(g) under the Securities Exchange Act of 1934 in their registered brokers (and 1 Rule 17a5(g) under the Securities Exchange Act or 1501 in the 153. and dealers, and is not intended to be and should not be used by anyone other these specified parties. Sere A. Berkey, C. P. A. Racine, Wisconsin {10}------------------------------------------------ ### JERE A BERKEY C. P. A. 5420 Eagles Point Circle # 106 Sarasota, Florida 34231 TEL(941-924-6563 FAX(941-927-6893 E-MAIL jabs\_39@hotmail.com To the Board of Directors Integrity Investments, Inc. Venice, Florida In accordance with your request, I have audited your anti-money laundering procedures for In accordance with request, Friate authers. In connection with my audi, I have not compliance with regulations regarding those matters. or direct wires going through compliance with regulations regarding those materials or direct wires going through encountered any receipts of cash of foreign of funds from clients as all of the the company's accounts. Here have bectly into the funds that the company is responsible investment activity has been made directly into the complied with the anti-money investment activity has been made directly most on the the anti-money laundering regulations. Respectfully submitted, Jere A. Berkey, C. P. A February 22, 2026 {11}------------------------------------------------ Integrity Investments, Inc. 333 S Tamiami Trail. Ste 388 Venice, FL 34285 February 22, 2026 Jere A Berkey C.P.A. 233 Lake Ave. Apt 410 Racine, WI 53403 In connection with your audit of the financial statements of Integrity Investments, Inc. as of December 31, 2025,for the year then ended for the purpose of expressing an opinion as to whether the financial statements present fairly, in all material respects, the financial position, results of operations, and cash flows of Integrity Investments Inc. in conformity with generally accepted accounting principles generally accepted in the United States, I confirm, to the best of my knowledge and belief, the following representation made to you during your audit. {12}------------------------------------------------ Integrity Investments, Inc. Management's Representation Letter Year ended December 31, 2025 - 1. I am responsible for the fair presentation in the financial statements of financial position, results of operations, and cash flows in conformity with generally accepted accounting principles accepted in the United States. I am also responsible for adopting sound accounting policies, establishing and maintaining internal control, and preventing and detecting fraud. It is management's belief that the financial statements are fairly presented in conformity with generally accepted accounting principles. - 2. I have made available to you all: - a. Financial records and related data - b. Minutes of the meetings of stockholders, directors, or summaries of actions of recent meetings for which minutes have not been prepared. - 3. There have been no: - a. Fraudulent financial reporting or misappropriation of assets involving management or employees who have significant roles in internal control. - b. Fraudulent financial reporting or misappropriation of assets involving other employees that could have a material effect on the financial statements {13}------------------------------------------------ Integrity Investments Inc. Management's Representation Letter Year ended December 31, 2025 - 3 . Continued - c. Communications from regulatory agencies concerning noncompliance with, or deficiencies in, financial reporting practices. - 4 I have no plans or intentions that may materially affect the carrying Value or classification of assets and liabilities. - 5 The following have been properly recorded or disclosed in the financial Statements: - a. Summary of significant Accounting Policies - b. Income tax provisions, and future benefits - c. Investments and related party transactions - d. Status of common and preferred stock shares and additional paid-in capital - e. Arrangement with regulatory agency on the treatment of the Subordinated loan payable - f. Arrangement between lender and lessee on the building lease agreement 3 {14}------------------------------------------------ Integrity Investments Inc. Management's Representation Letter Year ended December 31, 2025 - 5 Continued - g. Statement of no claims, Commitments, Contingencies or Guarantees associated with the company. - 6. There are no unasserted claims or assessments that our lawyer has Advised us are probable of assertion and must be disclosed in Accordance with PCAOB Standard AS2201. - 7. There are not material transactions that have not been properly recorded In the accounting records underlying the financial statements. - 8. The company has satisfactory title to all owned assets, and there are no Liens or encumbrances on such assets nor has any been pledged. - 9. I have complied with all aspects of contractual agreements that would have a material effect on the financial statements in the event of noncompliance. {15}------------------------------------------------ Integrity Investments Inc. Management's Representation Letter Year ended December 31, 2025 - 10. I have identified all accounting estimates that could be material to the financial statements, including the key factors and significant assumptions underlying those estimates, and believe the estimates are reasonable in the circumstances. - 11. There are no such estimates that may be subject to material change In the near term that have not been properly disclosed in the financial Statements. - 12. I have no knowledge of concentrations existing at the date of the financial statements that make the company vulnerable to the risk of near-term impact that have not been properly disclosed in the financial statements. I understand that concentrations include individual or group concentrations of customers, suppliers, lenders, products etc. {16}------------------------------------------------ Integrity Investments Inc, Management's Representation Letter Year ended December 31, 2025 13. There are no: - a. Violations or possible violations of laws or regulations whose effect should be considered for disclosure in the financial statements or as a basis for recording a contingency. - b Other liabilities or gain of loss contingencies that are required to be accrued or disclosed by PCAOB Standard AS 2201. - 14. The only Related Party involved with the company's operations is the President and Principle shareholder, Richard Curcio. - 15. There are no side agreements or other arrangements ( either written or Oral ) undisclosed to the auditor. {17}------------------------------------------------ Integrity Investments Inc. Management's Representation Letter Year ended December 31, 2025 - 16. It is management's belief that the effects of any uncorrected financial statement misstatement aggregated by the auditor during the current engagement and pertaining to the latest period presented are immaterial , both individually and in the aggregate to the financial statement as a whole. - 17. Management has no knowledge of any allegations of fraud or suspected fraud affecting the entity received in communications from employees. Former employees, analysis, regulators, short sellers, or others. {18}------------------------------------------------ Integrity Investments Inc. Management's Representation Letter Year ended December 31, 2025 - 18. It is management's belief that the Supplemental Information Provided to the Auditor reconciles to the financial statements of the underlying accounting and other records as applicable and is in conformity with AS-17. - 19. The only event that has occurred subsequent to the balance sheet date that required disclosure in the notes to the financial statement was the redemption of the remaining 2000 shares of preferred stock. Signature Title {19}------------------------------------------------ ### Jere A Berkey C.P.A. 233 Lake Avenue # 410 Racine, Wisconsin 53403 To the Board of Directors Integrity Investments, Inc. Venice, Florida Re: Report on applying Agreed-Upon Procedures Related to an Entity's SIPC Assessment. In accordance with Tule 17a-5(e)(4) under the Securities Exchange / Act of 1934, I have performed in accordance with rule + a 6(0) (1) the accompanying Schedule of Assessment the procuures ( General Assessment Reconciliation ( Form SIPC-7 ) to the Securities Investor Protection Corporation ( SIPC ) for the year ended Dec. 3 I locolon Oorporation ( On O ) is and the Securities and Exchange Commission., Financial Industry micghty invocity, Inc. and SIPC, soley to assist you and other specified parties in evaluating Negalatory Autherity, mo. and one with the applicable instructions of the General integrity invootherne ( Form SIPC-7 ). Integrity Investments, Inc.'s management is responsible for the Integrity Investment, Inc. compliance with those requirements. This agreedupon procedures engagement was consucted in accordance with attestation standards upon procedures ongagement was eent Certified Public Accountants. The sufficiency of these established by the Airforman meibility of those parties specified in this report. Consequently, I procedures is bolely the regarding the sufficiency of the procedures described below either for make no reprose for which this report has been requested or for any other purpose. The procedures l performed and my findings are as follows: 1. Compared the listed assessment payments in Form SIPC-7 with respective Cash r. Our parcu the librou adoooomont payment was reconciled with the cancelled check Disbursement as well as the Disbursement's Journal entry. There were no differences. as of December 31, 2025 2. Compared the listed assessment payments in Form SIPC-6 for the first half of the fiscal year ending December 31, : 2025 with respective Cash Disbursement record entries,, There were no differences. 3. Compared any adjustments reported in form SIPC-7 with supporting schedules and working 5. Gompared any adjabantine reports with audited annual Revenue per working papers and pupers. Nonewou quared the audited Revenues from investment advisory services rendered to registered investment companies. There were no differences. 4. Proved the arithmetical accuracy of the calculations reflected in form SIPC-7 and the related schedules and working papers {20}------------------------------------------------ Integrity Investments, Inc. Report on Applying Agreed-upon Procedures Related to an Entity's SIPC Assessment 5. Compared the amounts reported on the audited Form X-17A-5 for the year ended December 5. Compared the amounts reported on the audited Form SIPC for the year ebded December 31 31, 2025 as applicable willifiences due to the year end audit adjustments, I was not engaged to, and did not conduct an examination, the objective of which would be the expression of an opinion on compliance. Accordingly, I did not express such an opinion. Had he expression of an opinion on compliance. Acoeraingly , and other to my attention that would have been reported to you. This report is intended soley for the information and use of te specified parties listed above and This report is intended soley for the microne other than these specified parties Jere A. Berkey, C.P.A Racine, Wisconsin 22, 2026 February {21}------------------------------------------------ ### CONTENTS | ACCOUNTANT'S AUDIT REPORT | | 1 | |----------------------------------------------|---|-----| | FINANCIAL STATEMENTS | | | | Balance Sheet | | 2 | | Statement of Income and Accumulated Deficits | | 3 | | Statement of Cash Flows | | ব | | Notes to Financial Statements | # | 5-8 | | | | | ### SUPPLEMENTARY INFORMATION | Schedule of Selling, General and Admin. Expenses | ு | |------------------------------------------------------------------------------------|----| | Computation of Net Capital Requirements | 10 | | Reconciliation of Computation of Net Capital | 11 | | Statement of Changes in Stockholder's Equity | 12 | | Statement of Changes in Liabilities Subordinated to
Claims of General Creditors | 13 | {22}------------------------------------------------ ### JERE A. BERKEY C.P.A. Certified Public Accountant 233 Lake Avenue # 410 Racine, Wisconsin 53403 # Report of Independent Registered Public Accounting Firm To the shareholders and the board of directors of Integrity Investments, Inc. Opinion on the Financial Statements. I have audited the accompanying balance sheet of Integrity Investments, inc. ( the company ) as of December 31, 2025, the related statements of Income and Accumulated Deficits, and Cash Flows, for the year than ended, and the related notes ( and schedules ) collectively referred to as the " financial statements "). In my opinion, the financial statements present fairly, in all material respects, the financial position of the company as of December 31, 2025, and the results of its operations and cash flows for the year ended December 31, 2025, in conformity with the accounting principles generally accepted in The United States of America. {23}------------------------------------------------ Report of Independent Registered Public Accounting firm ### Basis for Opinion These financial statements are the responsibility of the Compamy's management. My responsibility is to express an opinion on the Company's financial statements based on my audit. My firm is a public accounting firm registered with the Public Company Accounting Oversight Board ( United States ) ( PCAOB ) and is required to be independent with respect to the Company in accordance with the U. S. federal security laws and the applicable rules and regulations of the Security and Exchange commission and the PCAOB. I conducted my audit in accordance with the standards of the PCAOB. Those Standards require that I plan and preform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatements, whether due to error or fraud. My audit included performing procedures to assess the risk of material misstatements of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. {24}------------------------------------------------ Report of Independent Registered Public Accounting Firm Basis for Opinion Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. My audit also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. I believe that my audit provides a reasonable basis for my opinion. Jere A Berkey C.P.A. My firm has served as the Company's auditor since 1999 Racine, Wisconsin February 22, 2026 {25}------------------------------------------------ ### INTEGRITY INVESTMENTS, INC BALANCE SHEET ### Year ended December 31, 2025 | ASSETS | | | |--------------------------------------------|----|-----------| | CURRENTS ASSETS | | | | Cash and cash equivalents | \$ | 1,401 | | Accounts Receivable | | 60,180 | | Prepaid Expense | | 1,172 | | TOTAL CURRENT ASSETS | | 62,753 | | INVESTMENTS | | | | Investment in subsidiary | | 152,711 | | PROPERTY AND EQUIPMENT | | | | Office equipment | | 10,837 | | Office furniture abd fixtures | | 27,404 | | Less: Accumulated Depreciation | ( | 38,241 | | TOTAL PROPERTY AND EQUIPMENT | | 0 | | OTHER ASSETS | | | | Security Deposit | | 1,100 | | CRD Deposit | | 80 | | TOTAL ASSETS | \$ | 216,644 | | LIABILITIES & STOCKHOLDER'S EQUITY | | | | CURRENT LIABILITIES | | | | | | | | Accounts payable and Accured expenses | \$ | 6,811 | | NON-CURRENT LIABILITIES | | | | Subordinated loan and accrued interest | | 644,044 | | STOCKHOLDER'S EQUITY | | | | Preferred Stock, \$ 1.00 par value | | 2,000 | | Common stock, \$ .10 par value | | 958,920 | | Additional paid- capital stock | | 493,500 | | Treasury stock | ( | 140,000 | | Retaining earnings ( ( ( deficit ) | ( | 1,748,631 | | TOTAL STOCKHOLDER'S EQUITY | ( | 434,211 | | TOTAL LIABILITIES AND STOCKHOLDER'S EQUITY | \$ | 216,644 | {26}------------------------------------------------ ### INTEGRITY INVESTMENTS, INC STATEMENT OF INCOME AND ACCUMULATED DEFICITS For the year ended December 31, 2025 ### REVENUE | Commissions | | \$ | 145,658 | |------------------------------------------------------|---|--------|-----------| | TOTAL REVENUE | | | 145,658 | | SELLING EXPENSES | | | 2,650 | | GENERAL & ADMINISTRATIVE EXPENSES | | | 3,974 | | NON-OPERATING INCOME ( EXPENSE )
Interest expense | ( | 18,334 | - | | Total Non-Operating Net ( Expense ) | | ( | 18,324 | | Net Loss | | S
( | 18,334 | | BEGINNING RETAINED EARNINGS | | ( | 1,713,940 | | ENDING RETAINED EARNINGS | | \$ ( | 1,748,631 | {27}------------------------------------------------ ### INTEGRITY INVESTMENTS, INC STATEMENT OF CASH FLOWS For the year ended December 31, 2025 ### CASH FLOWS FROM OPERATING ACTIVITIES | Net Income ( Loss )
Adjustments to reconcile net income to net cash | ( | 9,081 | ) | |------------------------------------------------------------------------|----|--------|---| | provided by operating activities
Change in CRD Deposit | ( | 80 | | | Changes in accounts receivable | ( | 29,854 | | | Change in accounts payable & accrued Expense | ( | 2,121 | | | Change in accrued interest | | 18,333 | | | NET CASH PROVIDED BY ( USED ) BY | | | | | OPERATING ACTIVITIES | ( | ਤਰੇਰੇ | | | NET CASH PROVIDED BY ( USED ) BY | | | | | INVESTING ACTIVITIES | | | | | Investment in subsidiary | ( | 150 | | | NET CASH PROVIDED BY ( USED )BY | | | | | FINANCING ACTIVITIES | | O | | | NET DECREASE IN CASH | ( | 549 | | | CASH AT BEGINNING OF PERIOD | S | 1,950 | | | CASH AT END OF PERIOD | \$ | 1,401 | | | SUPPLEMENTAL DISCLOSURES | S | 0 | | {28}------------------------------------------------ INTEGRITY INVESTMENTS, INC NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2025 # NOTE A-SUMMARY OF SIGNIFICANT ACCOUNTING PLOICIES ## NATURE OF BUSINESS Integrity Investments, Inc. was incorporated on September 8, 1992, and acted as a broker-dealer and distributor for the Valiant Funds. Beginning in July, 2007, a commission-sales agreement was entered into with the Dreyfus Cash management Family of Funds to promote their products to Integrity clients. ### PROPERTY AND EQUIPMENT Property and Equipment are carried at cost. Depreciation for book reporting uses the straight-line method. As of December 31, 2025, all property and equipment were fully depreciated. {29}------------------------------------------------ # INTEGRITY INVESTMENTS, INC. NOTES TO FINANCIAL STATEMENTS, INC. DECEMBER 31, 2025 ### NOTE B-INCOME TAXES In the years ended December 31, 1992 through 2025, the parent and subsidiary have cumulative net-operating losses for both income tax and financial reporting purposes. The lor both moon available to offset taxable income operating losses have been available to offset and on 21 in subsequent years through the year ended December 31, 2025. No tax benefit was recorded on prior financial 2020: No tax : . statements because of the uncertainty of future results of operations. In the current year, no tax provisions ( expense ) has been recorded. Also, because of the continuing nds been the of results of operations, no future tax benefit has been recorded. # NOTE C-INVESTMENTS AND RELATED PARTY TRANSACTIONS Integrity Investments, Inc. is the parent to Integrity management and Research, Inc, a wholly owned subsidiary. The parent paid for start-up expenses of the subsidiary. {30}------------------------------------------------ # INTEGRITY INVESTMENTS, INC. # NOTES TO FINANCIAL STATEMENTS # DECEMBER 31, 2025 # NOTE C-INVESTMENTS AND RELATED PARTY TRANSACTIONS ( CONTINUED ) These arrangements for services provided to the subsidiary ceased as of June 30, 2007. Beginning in July, 2007, the company commenced using the Dreyfus Family of Funds for their customers. Another marking, distribution and service agreement was completed as of January 11, 2010 with a company known as Fundcore Finance Group LLC, which would use Integrity Investments, Inc. to provide certain marketing and distribution services. The Agreement ended May, 2011. # NOTE D-CAPITAL STOCK There were no additional shares of common stock issued during the year ended December 31, 2025 See accompanying notes 7 {31}------------------------------------------------ # INTEGRITY INVESTMENTS, INC. NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2025 # NOTE E-LONG TERM SUBORDINATED LOAN PAYABLE AND RELATED PARTY TRANSACTIONS. The company received \$ 125,000 through the issuance of a 12% subordinated loan dated October 1, 1994. The subordinated loan agreement is between Richard Curcio ( the lender ) and principal shareholder of Integrity Investments, Inc. ( the" Broker/Dealer" ). The original terms of the loan specified that the principal sum of \$ 125,000 be repaid on October 31, 1997 together with interest. The subordinated loan agreement for equity capital was submitted to the NASD and found acceptable as of October 28, 1996. Permission was also requested from the NASD to allow for the subordination of the accrued interest on the subordinated koan. NSAD granted permission on February 17, 1997 to allow this change to be made. The most recent subordinated koan agreement was approved on November 10, 2010 whereby, the loan principal and accrued interest up through November 7, was combined for a new loan principal of \$ 366,475 with interest thereon payable at the rate of 5% per annum for a three year period with a maturity date of November 8, 2013. A further provides for the schedule maturity date to be extended in each year by either the lender or the Broker/Dealer without further action unless on or before the day Thirteen Months preceding the maturity date, the lender shall notify the Broker/Dealer in writing, with a copy to FIINRA, that the maturity date shall not be extended. {32}------------------------------------------------ ### INTEGRITY INVESTMENTS, INC NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2025 # NOTE E-LONG TERM SUBORDINATED LONG TERM SUBORDIANTED LOAN PAYABLE AND RELATED PARTY TRANSACTIONS. ( CONTIMNUED ) Further, Appendix D of section Rule 15c3-1, requires the prior written approval of NASD before any repayments of a subordinated agreement can be made. Accordingly, unsecured advances to the lender during the term of the agreement are not permitted since such advances to the lender during the term of the agreement would constitute unauthorized repayments. Refer to 17CFR240-15C3-1ToC3-3a. # NOTE F-OFFICE BUILDING LEASE The company relocated to another office site at 333 Tamiami Trail in the city of Venice Florida during the month of July 2022. See accompanying notes 8 a {33}------------------------------------------------ # NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2025 # NOTE F OFFICE BUILDING LEASSE # ( CONTINUED ) The terms of the lease are as follows: Tenant shall have & hold the premises for a term of one ( 1 ) year, commencing on August Ist, 2022 and terminating the 31 day of July, 2023. The tenant shall have two renewals for one year each. Rent shall increase by 3% at the beginning of each option term. The first of two renewals was completed prior to August 1, 2023. The current rent renewal beginning August 1, 2025 remains at \$1,167. The base rent for the initial term was \$ 1,100, plus tax . The second term was \$ 1.133 plus tax and the last renewal is \$ 1,167 plus tax for the period August 1 , 2024 through July 31, 2025. Landlord has no obligation to pay tenant any interest on the security deposit. Tenant shall, at its cost and expense. Maintain the interior of the premise in good condition. The landlord shall furnish utilities, air conditioning, water and electric without an additional charge. # NOTE G-COMPANY CLAIMS, COMMITMENTS, CONTINGIES AND GUARANTTEES There were no claims against the company or that might be asserted against the firm that the firm was aware of as of my audit date of February 22, 2026. {34}------------------------------------------------ # INTEGRITY INVESTMENTS, INC NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2025 ## NOTE-H- PREFERRED STOCK On July 12, 2021, a special board of directors meeting was held in lieu of shareholder's meeting. The meeting was attended by Richard Curcio, Brenden Curcio and Denis Curcio who collectively control more than 50% of Integrity Investments Inc. outstanding shares. The meeting was called to order by Riichard Curcio, Chairman to vote on the authorization of 50,000 shares of Integrity Investments Inc. \$ 1.00 Preferred Stock to be continually issued as required to maintain the capitalization of Integrity Investments Inc. A motion was made by Brenden Curcio to authorize the shares and seconded by Denis Curcio and all present voted unanimously in favor of the new issuance. The motion carried. From August 25 through December 8, 2021, 7,000 preferred shares were issued. On February 27, 2023, 5,000 shares were redeemed. As of my auditors opinion dated February 22, 2026, 2,000 preferred shares remained on the company's books for the year ended December 31, 2025. Subsequent to the prior year ended December 31, 2025, the remaining 2,000 shares that were issued on August 25, 2021 were redeemed on February 5, 2026. {35}------------------------------------------------ # SUPPLEMENTARY INFORMATION {36}------------------------------------------------ ### Report of Independent Registered Accounting Firm ### Supplemental Information The Supplemental information included with these financial statements namely, Schedule of selling, general and administrative expenses, Computation of net capital requirements, Reconciliation of computation of net capital, Statement of changes in stockholder's equity, and statement of changes in liabilities subordinated to claims of general creditors has been subject to audit procedures performed in conjunction with the audit of Integrity Investments, Inc, financial statements. The supplemental information is the responsibility of Integrity Investments. Inc. management. My audit procedures included determining whether the supplemental information reconciles to the financial statement of the underlying accounting and other records, as applicable and performing procedures to test supplemental information. In forming my opinion to the supplemental information, I evaluated whether the supplemental information, including its form and content is presented in conformity to AS-17: {37}------------------------------------------------ ### Supplemental Information In my opinion, the supplemental Information identified above is fairly stated, in all material respects, with the relevant regulatory requirements. Jere A. Berkey, C.P.A. Racine, Wisconsin February 22, 2026 {38}------------------------------------------------ # INTEGRITY INVESTMENTS, INC SELLING, GENERAL AND ADMIN EXPENSES ### For the year ended December 31, 2025 ### SELLING EXPENSES | Meals and Entertainment | S | 2,825 | |-------------------------|---|-------| | Travel and Lodging | | 1,148 | | | | | | TOTAL SELLING EXPENSES | S | 3,973 | ### GENERAL & ADMINISTRATIVE EXPENSES | Accounting and auditing | \$
6,410 | |---------------------------|-------------| | Publications | 396 | | Archiving | 1681 | | Donations | 400 | | Software | 461 | | Insurance | 712 | | Licenses & Registration | 2,150 | | Office supplies & Postage | 1,168 | | Payroll processing fees | 2,893 | | Professional services | 6,404 | | Rent Office building | 14,496 | | Salaries | 64,000 | | Taxes-Payroll | 4,945 | | Telephone, Internet | 8,153 | | | | #### TOTAL GENERAL AND ADMIN EXPENSES \$ 114,269 {39}------------------------------------------------ ### INTEGRITY INVESTMENTS, INC. COMPUTATION OF NET CAPITAL REQUIREMENTS For the year ended December,31 2025 #### COMPUTATION OF NET CAPITAL PURSUANT SCHEDULE 1. TO RULE 15C3-1 | Capital | | | | ക്ക | | ( | 434,211 ) | |-----------------------|-------------------------------------------------------------------------------------------------------------------------|---|-------------------------------------------------|-----|---|---|-------------------| | Add back: | Subordinated Loans | | | | | | 644,044 | | Deduct: | Non-allowable assets | | | | | | | | | Investment in subsidiary
Property and Equipment
Allowance for depreciation
Prepaid Expense
Security Deposit | ( | 152,561
38,241
38,241 )
1,172
1,100 | | | | | | Current capital | CRD Deposit | | 80 | | | | 155,063
54,770 | | Deduct haircuts | | | | | | | 0 | | Net allowable capital | | | | | | | 54,7710 | | Required capital | | | | | | | 5,000 | | Excess capital | | | | | ക | | 49.770 | #### COMPUTATION OF RESERVE SCHEDULE 2. REQUIREMENTS PURSUANT TO RULE 15C3-3 Reserve requirement is not required under exception 15c3-3(k)(1)(ii) #### SCHEDULE 3. ### INFORMATION RELATING TO POSSESSION OR CONTROL REQUIREMENTS UNDER RULE 15( C ) 3-3 There is no information required under rule 15 ( c ) 3-3 as the company is an institutional broker dealing in mutual funds and at no time has possession of any customers securities or cash. {40}------------------------------------------------ ### INTEGRITY INVESTMENTS, INC ### RECONCILIATION OF COMPUTATION OF NET CAPITAL For the year ended December 31, 2025 | | | Audited | | Un-audited | | Difference | | |--------------------------------------------------------------------------------------------------------------------------------------------|---|--------------------------------------------------------------------|---|---------------------------------------------------------------|------|------------|---| | Total Assets | ക | \$216,644 | S | \$216,495 | ಕಿ | \$149 | | | Total Liabilities | | 650,855 | | 650,855 | | | | | Net Worth | ( | 434,211 | ( | 434,360 ) | | 149 | | | Add: subordinated loans | | 644,044 | | 644,044 | | | | | Adjusted net worth | | 209,833 | | 209,684 | | 149 | | | Less: non-allowable assets | | | | | | | | | Investment in Subsidiary
Furniture and fixtures
Office Equipment
Accum Depr
Prepaid Expense
CRD Deposit
Security Deposit | ( | 152,711
27,404
10,837
38,241
-
1,172
80
1,100 | ( | 152,561
27,404
10,837
38,241
1,172
81
1,100 | ) | 150
1 | ) | | Total non-allowable | | 155,063 | | 154,914 | | 149 | | | Current capital | | 54,770 | | 54,769 | | 1 | | | Less: hair cuts | | | | | | | | | Net capital | | 54,770 | | 54,769 | | 1 | | | Required capital | | 5,000 | | 5,000 | | | | | Excess net capital | ക | 49,770 | ക | 49,769 | ક્તિ | 1 | | Explanation of differences: The difference in assets was due to a disbursement of \$ 150 payable to the state of The unference in associo was ado to a alobalissiany Management & Research Inc, for the r londa for the ourrorit registration the non-allowable status of the subsidiary See accompanying notes investment was \$ 1,00 {41}------------------------------------------------ ### INTEGRITY INVESTMENTS, INC. STATEMENT OF CHANGES IN STOCKHOLDERS EQUITY For the period of September 8, 1992 ( date of inseption ) to December 31, 2025 | Year | | Common stock
Shares | Amount | Additional
Paid-in-Capital | | Retained
Earnings | |-----------|------------------------|------------------------|----------------|-------------------------------|---------|------------------------| | 1992-1993 | | 4,000,000 | \$400,000 | | ಕಾ
( | \$17,512
) | | | 1994 | 2,617,908 | 261,791 | | ( | 331,553 ) | | | 1995 | 1,601,286 | 160,129 | | ( | 471,554 ) | | | 1996 | 210,000 | 21,000 | | ( | 536,446 ) | | | 1997 | 143,500 | 14,350 | | ( | 575,326 ) | | | 1998 | 416,500 | 41,650 | 148,500 | ( | 721,845 ) | | | 1999 | 300,000 | 30,000 | 165,000 | ( | 729,114 ) | | | 2000 | 300,000 | 30,000 | 180,000 | ( | 739,733 ) | | Repurch | | | | | | | | Treasury | Shares
( | 200,000 ) | | | | | | | 2001 | 0 | 0 | | ( | 726,802 ) | | | 2002 | 0 | O | | ( | 793,783 | | | 2003 | O | O | | ( | 805,450 ) | | | 2004 | 0 | 0 | | ( | 818,769 ) | | | 2005 | O | 0 | | ( | 846,337 | | | 2006 | 0 | 0 | | ( | 906,781
- | | | 2007 | 0 | 0 | | ( | 938,434 ) | | | 2008 | 0 | O | | ( | 1,257,969
0 | | | 2009 | 0 | 0 | | ( | 1,247,429 ) | | | 2010 | 0 | 0 | | ( | 1,437,772
- | | | 2011 | O | O | | ( | 1,515,864
- | | | 2012 | 0 | 0 | | ( | 1,531,145 ) | | | 2013 | O | 0 | | ( | 1,566,993 ) | | | 2014 | O | 0 | | ( | 1,579,579
) | | | 7-Jul-05 | 0 | \$0 | | ( | 1,584,642
) | | | 2016 | 0 | 0 | | ( | 1,602,684
} | | | 2017 | 0 | 0 | | ( | 1,629,454
) | | | 2018 | O | 0 | | ( | 1,639,163
) | | | 2019 | O | 0 | | ( | 1,652,715
) | | | 2020 | 0 | 0 | | ( | 1,684,181
) | | | 2021 | O | O | | ( | 1,717,728 ) | | | 2022 | O | 0 | | ( | 1,713,940 ) | | | 2023 | 0 | 0 | | ( | 1,725,698 | | 2024 | | 0 | \$0 | | ( | 1,757,698 | | | 2025 | 0 | \$0 | | ( | 1,748,631 | | | 20725
2025 Balances | 0
\$938,194 | ಳಿರ
958,920 | \$493,500 | (
( | 1,748,631
1,748,631 | {42}------------------------------------------------ ### INTEGRITY INVESTMENTS, INC. STATEMENT OF CHANGES IN LIABILITIES SUBORDINATED TO CLAIM: GEN CREDITORS S STATEMENT OF CHANGES IN LIADIES IN LIADENES of general creditors have been approved by the NASD. | | | 12/31/2025 | |------------------------------------------|-----|------------| | Total loan payable | ക്ക | 366.471 | | Subordinated accrued interest ( note 1 ) | | 277,573 | | Total subordinated liabilities | ક | 644.044 | Note ( 1 ) : The company requested permission to subordinate the accrued interest on the subordinated loan to allow it as additional capital. Subsequent amendments to the original subordinated loan requesting an extension of the maturity date were submitted and approved by the NASD. The latest request for an extension of the maturity date was approved by the NASD on November 8, 2010 See accompanying notes 13 Source: SEC EDGAR via Adviser Search (https://search.stillhousedata.com). Agents: see https://search.stillhousedata.com/llms.txt.