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Gail Urban

Advisor at Independent Financial Group, LLC

Updated today

Location

Manhattan, KS 66502

Credentials

CFP®, Series 66

Industry experience

17 years

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

923 Westport Pl., #230

Manhattan, KS 66502

Most active in

Kansas · Texas

Work history

Independent Financial group

2019 - Present (7 years)

Edward Jones

2009 - 2019 (10 years)

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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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 63, Series 66

Manhattan, KS

Heartland Wealth Strategies LLC

Michael Hammersmith is the principal advisor at Heartland Wealth Strategies LLC in Manhattan, KS, holding Series 63 and Series 66 licenses with 17 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 center in Maple Hill, KS. Heartland Wealth Strategies provides personalized financial planning and discretionary investment management to individuals and institutional clients. The firm employs a risk-oriented, asset-allocation approach using diversified mutual fund and ETF portfolios, with regular account reviews and client-imposed investment restrictions.

Wealth management
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Randy S

Series 65

Manhattan, KS

Abundance Wealth Management

Randy Stitt is a financial advisor at Abundance Wealth Management, an independent firm based in Manhattan, KS. He holds a Series 65 credential and has over two decades of experience, including roles at Community First National Bank since 2002 and Kansas State University since 2009. Abundance Wealth Management provides investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, and corporations. The firm uses a blend of fundamental analysis and Modern Portfolio Theory, offering tailored asset allocation strategies that include passive, active, and socially conscious investment options.

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® professional with nine years of industry experience, currently serving as the principal advisor at No Coast Financial Group. He has held roles at Garrett Investment Advisors and CGN Advisors and is an Associate Professor of Practice at Texas Tech University. He also owns Heckman Research Consulting, LLC, a non-investment-related business. No Coast Financial Group is a fee-only independent advisory firm serving individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm employs asset-allocation strategies based on Modern Portfolio Theory and fundamental analysis, offering tailored portfolio management with options for socially responsible investing and educational seminars.

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

CFP®, Series 63

Manhattan, KS

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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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Anthony H

Series 63, Series 65

Manhattan, KS

Keating Financial Advisory Services

Anthony Hayden is a financial advisor at Keating Financial Advisory Services with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Raymond James Financial and Keating & Associates, Inc. Hayden is the founder of Abundance Alliance, a nonprofit supporting community causes and entrepreneurial philanthropy. Keating Financial Advisory Services primarily serves pension and profit-sharing plans, corporate retirement plans, and other institutional clients, managing $330 million in plan assets. The firm offers both discretionary and non-discretionary investment management, focusing on mutual funds, ETFs, equities, and fixed income, along with financial planning and consulting services.

College savings (529s, UTMA, etc.) General retirement planning Retirement income strategy Life insurance needs analysis Charitable giving & philanthropy Founder/Business Owner Retired
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