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Accumulating money during your working years was simple: sock it away and grow! The distribution phase is different. This video begins with a brain-teaser you might find eye-opening!

You can schedule your introductory phone call with Jim here!

Six Retirement Account Options Every Retiree Must Know. Each has it’s own advantages and disadvantages:

1 – Leave your money in your employer’s plan

2 – Move your money to your new employer’s plan.

3 – Roll your money into an IRA.

4 – Take a Lump Sum Distribution

5 – Convert your plan assets to a Roth IRA

6 – Make an in-plan Roth conversion

How the SECURE Act Changes Retirement

Secure Act 2.0 Short Videos

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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20-Minute “Right Fit” Introductory Call Now!

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“Right Fit” Introductory Call Now!

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Jim's Money Blog

Do You Have a Mid-Year Financial Planning Strategy for Investors and Fiduciary Advisors.

July 1, 2025

Whether you live locally in Moorpark, Simi Valley, or anywhere else, you may want to consider having a trusted fiduciary financial advisor help with your mid-year review, as you may see.

Inflation Pressures, Retirement, and Woulda-Coulda-Shoulda

June 23, 2025

While the Fed continues to target a 2.0% inflation rate, headwinds in the form of inflation pressures from worker shortages, tariffs, and foreign conflicts are coming at a time as America approaches a historic demographic milestone – a record number of individuals turning 65 this year.