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Gail Marie Urban

Advisor at Independent Financial Group, LLC — Manhattan, KS

Updated today

Credentials

CFP®, Series 66

Experience

17 years

Location

Manhattan, KS 66502

Independent Financial Group, LLC logo

Independent Financial Group, LLC

Enterprise

Total advisors

461

Across 291 offices

Clients per advisor

56 Typical

Avg AUM per client

$474,424 Typical

HNW client ratio

9% Low

About

Gail Urban is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Independent Financial Group, LLC since 2019. She previously worked at Edward Jones for 10 years. Outside of advisory work, Urban is active in her community, serving on several nonprofit boards including the Greater Manhattan Community Foundation and Big Brothers/Big Sisters Community Leadership Council. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm offers advisory programs through its AccessPoint platform and third-party asset managers, serving a diverse client base with a range of investment options.

Client services

Based on Independent Financial Group, LLC

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

Based on Independent Financial Group, LLC

Wealth management Passive / index investing Active portfolio management Private / alternative investments Retirement plans for business owners (SEP, solo 401k)

Occupation focus

Based on Independent Financial Group, LLC

Founder/Business Owner Executive

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Fee options

Fixed

Flat fees for financial planning and consulting services; negotiable and specified in Financial Planning/Consulting Agreement.

Percentage

$0 - $250,000: 2.00% maximum Advisor Fee + 0.16% Program Fee $250,000 - $500,000: 2.00% maximum Advisor Fee + 0.12% Program Fee $500,000 - $1,000,000: 2.00% maximum Advisor Fee + 0.10% Program Fee $1,000,000 - $2,000,000: 2.00% maximum Advisor Fee + 0.06% Program Fee $2,000,000 - $5,000,000: 2.00% maximum Advisor Fee + 0.05% Program Fee $5,000,000+: 2.00% maximum Advisor Fee + 0.04% Program Fee

Commissions

Commissions earned by IARs when acting as registered representatives for brokerage services outside advisory programs.

Project-based

Hourly financial consulting fees, collected in advance or arrears; negotiable and specified in Financial Planning/Consulting Agreement.

Subscriptions

Subscription-based fees for financial planning programs, stated in the Financial Planning/Consulting Agreement, paid monthly or quarterly.

Other

Account minimum: $2,000 to $100,000 depending on program; specific minimums include $5,000 for AccessPoint Models, $25,000 for AccessPoint Advisor Portfolios, $2,000 manager dependent for Fund Strategist Portfolios, $100,000 for Separately Managed Accounts, $50,000 for Unified Managed Accounts, $25,000 for AP Client, $50,000 for CAM Client Schwab, no minimum for Retirement Plan Services (RPS) Fee-only: Hourly rates, flat fees, and subscription billing for financial planning and consulting services; fees are negotiable and detailed in Financial Planning/Consulting Agreement.

Location

See office

Manhattan, KS

923 Westport Pl., #230

Manhattan KS 66502

Advisors at this office

2

Most active in

Kansas · Texas

Work history

17 years of industry experience

Independent Financial group

2019 - Present • 7 years

Manhattan, KS

Edward Jones

2009 - 2019 • 10 years

St Louis, MO

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Seth G

Series 65

Manhattan, KS

SGA Wealth Advisors LLC

Seth Gordon is a Series 65-licensed advisor at SGA Wealth Advisors LLC in Manhattan, KS, with 13 years of experience at Sink Gordon Accountants & Advisors. He operates as the sole advisor at SGA Wealth Advisors, an independent firm. SGA Wealth Advisors provides advisory services to individuals, high-net-worth families, trusts, foundations, retirement plan sponsors, and closely held businesses. The firm offers comprehensive wealth management programs and financial planning, often working as a co-advisor with Pinnacle Advisors for active portfolio management and utilizes a collaborative approach integrating accounting and trust services.

Equity compensation tax strategy Tax-loss harvesting Charitable giving & philanthropy Business exit / sale strategy Business ownership considerations Founder/Business Owner Executive Mid-Career Professionals Approaching retirement
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Thomas H

Series 66

Manhattan, KS

KONZA Capital Advisors

Thomas Hintz is a financial advisor with KONZA Capital Advisors in Manhattan, KS, holding a Series 66 designation and 23 years of industry experience. He has been a partner at Varney & Associates CPA's since 1977, where he provides investment advice incidental to tax and accounting services. Konza Capital Advisors is a fee-only firm owned and operated by Hintz that offers discretionary portfolio management and financial advice to individuals, trusts, and IRAs. The firm manages approximately $16 million in client assets and primarily uses low-cost mutual funds and ETFs to implement client-directed allocations.

Wealth management Passive / index investing
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Michael H

Series 66, Series 63

Manhattan, KS

Heartland Wealth Strategies LLC

Michael Hammersmith is a financial advisor with Heartland Wealth Strategies LLC in Manhattan, KS. He holds Series 66 and Series 63 licenses and has 18 years of industry experience. Prior to founding Heartland Wealth Strategies in 2018, he worked at Central Financial Services and Ameritas Investment Corp. Outside of advising, he is a partner in a retail liquor store and a fitness business in Maple Hill, KS. Heartland Wealth Strategies is an independent, single-advisor registered investment adviser managing approximately $59 million for about 174 clients. The firm provides personalized investment management to individuals and various institutions, focusing on risk-oriented asset allocation, risk management, and a mix of long-term and short-term investment strategies.

Wealth management
user avatar

Randy S

Series 65

Manhattan, KS

Abundance Wealth Management

Randy Stitt is the principal of Abundance Wealth Management in Manhattan, KS. He holds a Series 65 credential and has experience in academia and commercial banking, having worked at Kansas State University and Community First National Bank since the early 2000s. Stitt founded Abundance Wealth Management in 2026 and currently serves as its sole advisor. Abundance Wealth Management offers investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, and corporations. The firm’s approach integrates fundamental analysis and Modern Portfolio Theory, utilizing both passive and active investment vehicles, with options for socially conscious portfolios tailored to client goals and risk tolerance.

Wealth management Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.)
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Stuart H

CFP®

Manhattan, KS

No Coast Financial Group

Stuart Heckman is a CFP® with 10 years of industry experience, currently serving as the principal of No Coast Financial Group. He has held positions at Garrett Investment Advisors, CGN Advisors, and runs Heckman Research Consulting, LLC. He is also an Associate Professor of Practice at Texas Tech University. No Coast Financial Group is a fee-only independent advisory firm that serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans. The firm follows asset-allocation principles based on Modern Portfolio Theory and fundamental analysis, offering tailored investment management and financial planning services with discretionary management and periodic reporting.

General retirement planning Retirement income strategy Cash flow / budgeting College savings (529s, UTMA, etc.)
user avatar

Derek L

CFP®, Series 63

Manhattan, KS

Priority Financial Partners

Derek Lawson is a CFP® with nine years of experience at Priority Financial Partners in Manhattan, KS. He has held academic positions at Kansas State University since 2015, currently serving as an assistant professor teaching CFP Board Core Content classes and conducting research. Prior to his current role, he also worked at Texas Tech University. Priority Financial Partners is a small advisory firm serving individual and high-net-worth clients with comprehensive financial planning and investment management. The firm employs a passive, asset-class-based investment approach, focusing on diversified, cost-efficient portfolios tailored to client risk profiles.

College savings (529s, UTMA, etc.) Cash flow / budgeting General estate planning guidance General retirement planning General tax planning
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