Here's an introduction to Jim Lorenzen and The Independent Financial Group.

1. It’s About Time.
AN INTRODUCTION TO IFG
THE INDEPENDENT FINANCIAL GROUP
A REGISTERED INVESTMENT ADVISOR
Jim Lorenzen, CFP®, AIF®
Founding Principal
805.265.5416 · Outside California 800.257.6659
Email info@indfin.com • Ca. Ins. Lic. 0C00742
Indfin.com · jimsmoneyblog.com

2. Legal Stuff
THE INDEPENDENT FINANCIAL GROUP (IFG)
IFG is a Registered Investment Advisor registered with the State of California
and does not provide tax or legal advice. Nothing contained in this
presentation should be construed as investment advice as IFG does not
provide investment advice without first conducting a full financial planning
process. IFG currently serves clients in New York, Florida, Colorado, and
California. Viewers of this presentation should not rely or act on information in
this presentation without first consulting with their legal, tax, and/or financial
advisor. IFG is not affiliated with any third party investment or service provider
and shares no compensation with any third party.

3. Founding Principal: Jim Lorenzen
• Fee-Only investment planning and advisory services
• Registered Investment Advisor – Fiduciary Status
• 21 Years – Clients in New York, Florida, Colorado, California
• CERTIFIED FINANCIAL PLANNER®,
• ACCREDITED INVESTMENT FIDUCIARY®
• Professional Speaker: 500 conventions, U.S., Canada, U.K.
• Articles and Interviews (WSJ, Smart Money, AA’s Sky Radio, etc.)
• Prior: Founded, built, sold five businesses. Experience in
commercial finance, publishing, advertising, and management
consulting. Served in U.S. Army, Vietnam, 1969-70.
• Married. Home in Moorpark, California.

4. Who is THE INDEPENDENT FINANCIAL GROUP
Custodial Services The IFG name doesn’t refer to a group of people
organized to sell products. That’s the old familiar
Investment Managers paradigm where an employing firm provided all
products and services in-house to its Registered
Product Development Representative employees who were charged with
(in-house funds & products)
generating revenue for the firm.
Research &
Due-diligence
That model still exists in firms where reps are
Client Reporting required to generate dollars to ‘keep their desks’
Services
and their paychecks.
Back Office &
Administration Obviously, this model can create an obvious
Registered Representatives
(brokers)
conflict of interest where the client is concerned.
20+ Years ago: Me.

5. Who is THE INDEPENDENT FINANCIAL GROUP
The New Paradigm
YOUR • Unbundled structure
INDEPENDENT • Independent advisor
FINANCIAL IFG Client • Independent service providers
GROUP • Fully-disclosed compensation
• No ‘sweetheart’ deals
The Advisor
YOUR independent
financial group
3rd Party Mgrs Due-Diligence Client Back Office • All members work for the client
Custodian
& Funds & Research Reporting Administration • You are the CEO
• Advisor acts as personal CFO
• Client is in control

6. The IFG Investment Philosophy
Advisor value is often added in the
areas of tax efficiency, risk
management, and cost control. Often,
the correct solution to issues like It's not about Managing the
making the correct Social Security picking hot downside is
decisions and effectively integrating investments. more important
projected benefits into a client’s plan It's about than reaching
can mean tens of thousands of dollars achieving for higher
to the outcome. goals. returns.
Building unified tax-efficient portfolios
with little turnover and the assets
located in the right tax vehicles – No one can
Monitor
taxable, tax-deferred or tax-free – and control the
everything and
helping clients to understand just how markets or
revise as
much they’ll need to achieve their interest rates,
necessary,
goals, are all critical services with but you can
keeping your
benefits that can far outweigh the fees control taxes
plan current.
they pay to actually achieve their goals. and costs.
It’s about time... and the plan.

7. 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.
Jim Lorenzen, CFP®, AIF®

8. My 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.
Jim Lorenzen, CFP®, AIF®

9. IFG Does NOT Take Custody of Client Assets
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 investment 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.
*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 investment compensation is
through client fees.

10. Bank of New York-Mellon’s 200-Year History
• 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
• 200
• First loan made to the United States Government -- $200,000 in 1789, during
George Washington’s first 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

11. IFG’s Fee Structure
There are two types of fees, each charged separately:
• Planning fees: This is a one-time flat-fee for the creation of your plan,
whether a full-scope financial plan or, more commonly, a limited scope plan
focusing on a specific area, i.e., retirement, etc. Your fee will be quoted in
advance based on the scope, complexity, and time required for the plan. A
completed plan is a requirement for becoming an IFG advisory client.
• Investment advisory fees: Annual advisory fees are deducted on a quarterly
basis by the asset custodian, based on the level of assets on deposit. All fees
and deductions are fully disclosed in advance and reflected on client reporting.
Upon completion of our initial meeting – this will give each of us an opportunity
to learn more - I’ll be happy to provide you with a complete custom quotation.
Feel free to request a copy of IFG’s ADV filing.
Jim Lorenzen, CFP®, AIF®

12. Learn More About IFG
You can learn more about Jim and THE INDEPENDENT
FINANCIAL GROUP on the following sites:
Jim’s LinkedIn Profile: http://www.linkedin.com/in/jimlorenzencfp
Follow Jim on Twitter: @JimLorenzen
IFG on Facebook: https://www.facebook.com/IFGAdvisory
Subscribe to Jim’s Money Blog: http://www.jimsmoneyblog.com
You can email IFG: info@indfin.com; or Call Jim at 805.265.5416

13. It’s About Time.
Jim Lorenzen, CFP®, AIF®
Founding Principal
THE INDEPENDENT FINANCIAL GROUP
A REGISTERED INVESTMENT ADVISOR
805.265.5416 · 800.257.6659
cfp@indfin.com
Indfin.com · jimsmoneyblog.com