The Independent Financial Group (IFG) is a fee-only registered investment advisor located in Moorpark, California that provides financial planning and investment management services. IFG is led by Jim Lorenzen, a Certified Financial Planner and Accredited Investment Fiduciary with over 20 years of experience. IFG utilizes sophisticated planning software and partners with custodian Pershing to provide independent fiduciary services focused on helping clients achieve their financial goals.

1. Call Jim:
805.265.5416
IFG Practice Profile Outside
California
It’s about time.
About IFG
The Independent Financial Group isn’t ours; it’s YOURS. IFG is a Moorpark, Ca.-based solo independent
financial planning and investment management consulting practice with clients located in New York, Florida,
Colorado, as well as here in California. IFG is a Registered Investment Advisor (RIA). All financial planning
and ongoing investment advisory services are provided on a fee-only basis. As an RIA, IFG is a fiduciary and
required by law to put clients’ interests first. Where insurance-based solutions are required by the client,
compensation on those assets is provided by the insurance company chosen rather than through ongoing
management fees.
The IFG Credo
Every client deserves, and has the right to expect, an objective and unbiased advisor who is fully aligned with
the client’s goals, possesses a moral compass with strict standards of accountability, and who takes a
straightforward, common sense collaborative approach, putting the client in control of a hassle-free process
incorporating breakthrough technology and unparalleled flexibility… with openness and transparency.
Your Advisor – Jim Lorenzen, CFP®, AIF®
Founding Principal of IFG with more than 20 years’ experience helping clients navigate financial
decisions. Published in The Journal of Compensation & Benefits, The Profit Sharing Council
of America’s Insights, and numerous other publications and newspapers. Jim’s also been
interviewed by The Wall Street Journal for SmartMoney magazine as well as by American
Airlines’ Sky Radio heard on more than 19,000 AA flights. In addition, Jim has been the
headline speaker at more than 500 conventions throughout the United States, Canada, and the
U.K., for clients such as Hearst Corp., CapCities/ABC, Foster Grant, Hobie Cat, and others.
Credentials
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. Candidates must also master a list
of nearly 100 topics on integrated financial planning through a CFP Board-Registered program. More than 300
accredited colleges and universities across America offer CFP Board-Registered programs in their MBA
curriculum. Upon graduation, candidates must pass a two-day, ten-hour exam conducted by the CFP Board.
IFG utilizes a state-of-the-art planning platform powered by PIE Technologies. This highly-sophisticated tool
achieved a #1 ranking three years in a row in a nationwide survey of advisors by Financial Planning magazine.
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, this program addresses the needs of Registered Investment Advisors
who provide investment advisory services for trustees of estates, endowments, foundations, and corporate
retirement plan sponsors.
THE INDEPENDENT FINANCIAL GROUP
A Registered Investment Advisor
Financial Planning and Wealth Management
805.265.5416 • www.indfin.com • www.jimsmoneyblog.com
Ca. Ins. Lic.#0C00742

2. Call Jim:
805.265.5416
IFG Practice Profile Outside
California
It’s about time.
IFG’s Goal with Each Client
Extraordinary service with no surprises, no excuses, and no worries, as well as independent thinking and
lasting solutions to help clients achieve the security, stability, predictability, and peace of mind they seek.
The IFG Philosophy
Investment success isn’t about being “brilliant” or having amazing insight unavailable to others. It’s more
about sound business planning coupled with a responsible discipline.
There are four basic pillars of investment success:
• It’s not about picking investments and beating markets; it’s about achieving goals.
• No one can control markets or interest rates; but, you can control taxes and expenses.
• Managing the ‘downside risk’ is more important than trying to be an investment super star
• Monitor everything, revise as necessary, and keep your plan current
Primary Custodian Service Provider: Pershing, division of Bank of New York-Mellon
Pershing, owned by BNY-Mellon, is our primary custodian for client accounts*. IFG receives no compensation
from this or any other service provider. Unlike other major banks, The Bank of New York is primarily a
provider of global and domestic custody services, not a retail bank. The Bank is a major force in the mutual
fund processing business and has a long history in the financial services arena. Highlights from The Bank’s
200+ year history include:
• The Bank of New York was founded by Alexander Hamilton in 1784
• It is the oldest bank in the United States
• It is one of the oldest banks in the world
• The Bank came into existence before the adoption of the U.S. Constitution
• It is one of the few companies in the U.S. that has been in business for more than 200 years
• First loan made to the United States Government -- $200,000 in 1789, Washington’s
administration
• The Bank’s headquarters are located at One Wall Street, New York, NY
• In 1792, The Bank’s stock was the first stock traded on the New York Stock Exchange
• The Bank is one of the largest financial holding companies in the United States
• Global expansion began with an office in London in 1966
• The Bank now has a presence in 33 countries
*The choice of asset custodian for a given client is based on a match between the custodian’s service
capabilities and the individual client’s needs. IFG receives no compensation or incentives of any description
from any service provider that is chosen. IFG’s only compensation is through client fees.
Learn More About IFG!
• Subscribe to Jim’s Money Blog: jimsmoneyblog.com
• Follow Jim on Twitter: @JimLorenzen
• Go online and visit our website: www.indfin.com
• Call 805.265.5416 ext. #1 or email info@indfin.com to request our
introductory package.
Subscribe to the IFG Ezine: IFG Insights.
THE INDEPENDENT FINANCIAL GROUP Scan this QR Code or go to:
A Registered Investment Advisor http://tinyurl.com/IFGInsights
Financial Planning and Wealth Management
805.265.5416 • www.indfin.com • www.jimsmoneyblog.com
Ca. Ins. Lic.#0C00742