Scott Heising is a Series 65-licensed financial advisor with Independent Financial Group, LLC, based in San Diego, CA, and has 30 years of industry experience. He has worked with Independent Financial Group, LLC and related entities since 2003 and serves as president of Independent Financial Group, Inc. Aside from advisory work, he dedicates time to his role as president of this insurance holding company. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutional plans. The firm utilizes a combination of firm- and third-party investment models, with strategic asset allocation and both active and passive exposures across risk profiles.

Nancy Rhew is a CFP® professional with 33 years of industry experience, currently serving at Independent Financial Group, LLC since 2007. She previously worked at Kingsroad Financial Insurance Services Inc. and Mass Mutual Investors Services. In addition to her advisory role, she owns a marketing DBA called Financial Chapters and is a licensed insurance agent offering various insurance products. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse clientele, including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs both proprietary and third-party models to develop customized investment strategies, combining active and passive management across a range of risk profiles.

Joseph Glomski is a CFP® and holds a Series 66 license with three years of industry experience. He is currently with Independent Financial Group, LLC and has prior work experience at Cambium Wealth and Legacy Strategies. His background also includes roles outside finance, such as positions at Reliance Printing Solutions and Page Springs Vineyards. Independent Financial Group, LLC provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth clients, trusts, and corporate plans. The firm offers financial planning and portfolio management through various platforms and uses a combination of firm- and third-party models to create tailored investment strategies.

Gary Morris is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 registrations and bringing 32 years of industry experience. His career includes roles at Cetera Advisor Networks LLC, Girard Securities, Inc., and longstanding involvement with Professional Advisory Services, Inc. and Professional Estate Services, Inc. Outside of advisory work, he serves as chairman of the board for Granite Ridge Christian Camp. Independent Financial Group, LLC provides investment advisory and brokerage services to a wide range of clients, including individuals, trusts, and institutional plans. The firm offers financial planning and portfolio management using both firm- and third-party models, combining passive and active strategies across various risk profiles.

Gloria Makino is a Series 66-licensed financial advisor with Independent Financial Group, LLC and has two years of industry experience. Prior to her financial services career, she spent nearly three decades as a performing artist, working as a singer, actress, dancer, pianist, and teacher. She also operates Makino Financial, a DBA used for marketing purposes. Independent Financial Group, LLC provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth clients, trusts, and corporate and pension plans. The firm offers various portfolio management solutions and financial planning services, utilizing both firm- and third-party models tailored to client risk profiles.

Joseph Yurgec is a financial advisor with Independent Financial Group, LLC, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 44 years of industry experience, including long-term roles at NPB Financial Group, LLC and his own firm, YURGEC Financial Services. Independent Financial Group, LLC provides investment advisory and brokerage services to a broad client base that includes individuals, high-net-worth clients, trusts, and institutional clients. The firm offers financial planning and portfolio management through various platforms and employs a model-based approach combining strategic asset allocation and manager selection across active and passive strategies.

Yong Chang is a financial advisor with Independent Financial Group, LLC in Kirkland, WA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Independent Financial Group since 2008 and previously at PRUCO Securities, LLC from 2004 to 2008. Outside of his advisory role, Chang is involved in teaching business workshops for Korean small business owners in Pierce County and holds leadership positions in several insurance and real estate consulting businesses. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutional entities. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence, offering services through multiple platforms and third-party managers.

Michael Martin is a financial advisor at Independent Financial Group, LLC with 30 years of industry experience. He holds a Series 63 designation and has previously worked at Woodbury Financial and SII Investments. Outside of his advisory role, he is involved in the sale of funeral trust insurance. Independent Financial Group serves a diverse client base including individuals, high-net-worth clients, trusts, and pension plans. The firm offers financial planning and portfolio management through multiple platforms and combines strategic asset allocation with multi-manager portfolios using both passive and active investment exposures.

John Franklin is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His prior roles include positions at LPL Financial, Prudential Equity Group, and Northwestern Mutual, among others. Independent Financial Group, LLC serves a diverse client base including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers financial planning and portfolio management services through various platforms and combines strategic asset allocation with multi-manager portfolios across standard risk profiles.

Wojciech Polowy is a financial advisor with Independent Financial Group, LLC based in New Britain, CT. He holds the Series 66 designation and has 14 years of industry experience, including prior roles at LPL Financial and Ameriprise. Outside of his advisory work, he serves as a voting board member of the Ballet Theater Company. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutional entities. The firm offers financial planning and portfolio management through multiple platforms, combining strategic asset allocation and manager selection with both passive and active investment strategies.

Dennis Contrestano is a financial advisor with Independent Financial Group, LLC in Fresno, CA, holding Series 63 and Series 66 licenses and 39 years of industry experience. His prior roles include positions at RBC Capital Markets Corporation, UBS Financial Services, and Piper Sandler & Co. He also serves as a co-trustee for a family trust account. Independent Financial Group provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutional investors, offering portfolio management through various platforms and a combination of active and passive investment strategies.

Jeremy Laub is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and having 27 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, Commonwealth Financial Network, and Monarch Retirement Group. Outside of finance, he performs live music as an independent contractor. Independent Financial Group, LLC provides advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and retirement plans. The firm employs a combination of strategic asset allocation and manager selection across active and passive strategies, offering financial planning and portfolio management through multiple platforms.

Theodore Lum is a financial advisor with Independent Financial Group, LLC, holding the ChFC® designation and Series 63 and 65 licenses. He has 44 years of industry experience and has worked previously at Merrill, Securities America Advisors, and LPL Financial. Lum is also the sole owner of Lum Global Financial & Insurance Services, a marketing DBA for his insurance agent activities. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm utilizes a combination of firm- and third-party models, strategic asset allocation, and multi-manager portfolios to develop client investment strategies across standard risk profiles.

James Dillon is a Certified Financial Planner® with 19 years of industry experience, currently serving as an advisor at Independent Financial Group, LLC since 2016. He is also a board member and CFO of Montessori Manor, Inc., a preschool and kindergarten, where he has been involved since 1992. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm offers customized financial planning and portfolio management through multiple platforms, combining strategic asset allocation with both passive and active investment strategies.

Paul Cotofana is a financial advisor with Independent Financial Group, LLC in San Diego, CA. He holds Series 63 and Series 66 designations and has 16 years of industry experience. Prior to joining Independent Financial Group in 2021, he worked at SagePoint Financial from 2009 to 2021. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers a range of financial planning and portfolio management solutions utilizing both firm- and third-party models, combining passive and active investment exposures tailored to client risk profiles.

Gregory Kurinec is a CFP® with 20 years of industry experience, currently affiliated with Independent Financial Group, LLC since 2010. His prior experience includes roles at FSC Securities Corporation, Waterstone Financial Group, Inc., and OSAIC Services, Inc. He is an attorney providing estate planning services, serves as a volunteer public speaker for the Society for Financial Awareness, and holds a board position with the International Association of Registered Financial Consultants. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a combination of strategic asset allocation and multi-manager portfolios across various risk profiles, utilizing both active and passive investment strategies.

Jaclyn Mc Guire is a financial advisor at Independent Financial Group, LLC with one year of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Charles Schwab & Co., Inc. for two years. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate and pension plans. The firm employs a range of portfolio management strategies, combining passive and active exposures, and operates as both a broker-dealer and investment adviser.

Chad Schiel is a financial advisor at Independent Financial Group, LLC with 16 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for three years before joining Independent Financial Group in 2012. Outside of his advisory role, he owns Emergy Fly Fishing Specialties, which provides fly fishing news, articles, speaking engagements, social media content, and custom fishing retail products. Independent Financial Group, LLC offers investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and active and passive investments, utilizing both firm- and third-party models to tailor client strategies.

Todd Turner is a CFP® and ChFC® with 25 years of experience in the financial services industry. He is currently with Independent Financial Group, LLC and has previously worked at Royal Alliance Associates, Inc. and Signator Investors Inc. In addition to his advisory role, he serves as Managing Director at Henderson Financial Group, Inc., overseeing day-to-day operations. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence, offering both active and passive investment options across various risk profiles.

Andrew Manes is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and 25 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, 1st Source Bank, LPL Financial, PNC Wealth Management, and Natcity Investments. Outside of advising, he serves as the head baseball coach for Warsaw Community Schools and works as a radio broadcaster for Kensington Media. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs both firm- and third-party models to develop client strategies, utilizing strategic asset allocation and a combination of passive and active investments within monitored multi-manager portfolios.