CRS and ADV Disclosures

Customer Relationship Summary and Additional Information

Jim Lorenzen, CFP®, AIF®

Welcome to the IFG Disclosures page!

Here you’ll be able to easily access disclosures for The Independent Financial Group. Much of the language is mandated, including the questions, form, and length; however, since mine is a solo private practice, you should find my business model and much of the language comparatively easy to understand. Naturally there are links to additional information and you’ll find even more here on my website, including links that will enable you to check on the disciplinary history of any advisor you are considering.

You can access my Customer Relationship Summary (CRS) here.

You can access The Independent Financial Group’s ADV filing here.

If you have any questions, feel free to call me at 805.265.5416 or email me: jim@indfin.com.

Happy reading!

Jim

Interested in becoming an IFG client? Why play phone tag? Schedule your 15-minute introductory phone call!

Jim Lorenzen is a CERTIFIED FINANCIAL PLANNER^® professional and An Accredited Investment Fiduciary^®in his 21st year of private practice as Founding Principal of The Independent Financial Group, a fee-based registered investment advisor. He is also licensed for insurance as an independent agent under California license 0C00742. IFG helps specializes in crafting wealth design strategies around life goals by using a proven planning process coupled with a cost-conscious objective and non-conflicted risk management philosophy.

Opinions expressed are those of the author. The Independent Financial Group does not provide legal or tax advice and nothing contained herein should be construed as securities or investment advice, nor an opinion regarding the appropriateness of any investment to the individual reader. The general information provided should not be acted upon without obtaining specific legal, tax, and investment advice from an appropriate licensed professional.

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Jim's Money Blog

Protecting Wealth from Inflation

July 15, 2024

We all know the Fed target is 2% inflation; but, since COVID-19 and all the accompanying spending, it’s been tough going for the Fed. While the rate of inflation has been slowly declining, it’s still stubbornly around 3% – and with people living longer, it can still spell disaster for those facing retirement, especially with longer life expectancies.

Key Retirement Milestones

June 25, 2024

Retirement milestones should actually begin the day you leave school and enter the workforce; but few people think about retirement at that age. They’re too busy starting careers. If they achieve early success, they won’t even be worried about retirement. It’s been my experience that it’s after age 50 they come through my door. By that time they’re done with stock tips and chasing rainbows. Age 50 has a way of making all of us start thinking.