Business owners face complex financial decisions that others do not. In addition to managing physical capital like assets and supplies, business owners must also manage human capital or their employees. How well a business owner strategizes, integrates, and manages both personal and business issues determines their ultimate success. An advisor with experience as a business owner understands these unique challenges.

1. Business owners live in a world a bit different from everyone else.
While most people work at their careers and need to budget their spending and saving to navigate a
path to a successful retirement, business owners must deal with a myriad of additional complex finan-
cial decisions not required of others.
In addition to the issues raised managing physical capital, i.e. financial assets, plant, equipment, sup-
plies, raw materials, etc., business owners must also manage an additional important intangible asset,
human capital. As someone once said, “the difference that makes all the difference is management.”
Ultimate personal success depends on how well the business owner is able to strategize, integrate, and
manage a vast array of both personal and business issues.
Business owners navigate two tracks instead of one: Personal and business; and the integration of
these two tracks in a business owner’s planning are critical to the business owner’s ultimate success.
indfin.com/business

2. Jim Lorenzen, CFP®, AIF®
A Business Advisor Who Has Actually Been
a Business Owner
Business owners are different
Business owners take risks with their own money, create jobs, and contend with a myriad of issues not
faced by others. An advisor who has “been there”, having to make a payroll and deal with the chal-
lenges only business owners face, brings unique insights only business owners appreciate to the advi-
sory process.
Business background:
 Founded, built, and successfully sold five businesses
Weekly entertainment magazines, shopping guides, and weekly papers—a business model combin-
ing a number of functions: sales, materials sourcing, manufacturing, assembly, distribution, fi-
nance, human resource management, and service. (Prior background had included broadcast
news and advertising, as well as several national and international corporate positions in consumer
and commercial finance.)
 Professional speaker and consultant
Headline speaker at more than 500 national and international conventions throughout the United
States, Canada, and the U.K. for clients such as Hearst Corporation, CapCities/ABC, Foster Grant,
Hobie Cat, Independence Bank, H.R. Textron, Orlando Sentinal, Val-Pak, The Los Angeles Daily
News, The National Association of Advertising Publishers, National Association of General Mer-
chandise Representatives, National Association of Music Merchants, National Newspaper Associa-
tion, National Management Association, Manufacturer’s Reps of America, California State Univer-
sity Northridge, New York State Publisher’s Council, Union Ice Company, Cox Communications, and
many others.
 Media coverage
Articles published in scores of national trade and other publications of organizations cited above,
and in NASDAQ , the Journal of Compensation and Benefits, and Profit Sharing Council of Amer-
ica’s Insights. He has also appeared on American Airlines’ Sky Radio, heard on more than 19,000
flights. He has also been interviewed by The Wall Street Journal for Smart Money magazine.
 CERTIFIED FINANCIAL PLANNER
®
(CFP®
)
Candidates for CFP certification must meet requirements for work experience, education, ethics
and possess a bachelor’s degree or higher from an accredited U.S. college or university and master
a list of nearly 100 topics on integrated financial planning through a CFP Board-Registered pro-
gram. Upon graduation, candidates must pass a two-day, ten-hour exam conducted by the CFP
Board.
 ACCREDITED INVESTMENT FIDUCIARY
®
(AIF®
)
Granted by The Center for Fiduciary Studies in association with the Joseph M. Katz Graduate
School of Business at the University of Pittsburgh
THE INDEPENDENT FINANCIAL GROUP
A Registered Investment Advisor
indfin.com/business
805.265.5416
By Appointment Only
2655 First Street, Suite 250; Simi Valley, Ca. 93065