IFMGroup

IFMGroup provides personalized financial planning and investment management to individuals (including high‑net‑worth and non‑HNW clients), pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses, managing roughly $4 million across seven client accounts. Services described in the brochure include comprehensive financial planning, discretionary and non‑discretionary portfolio management, and implementation recommendations tailored to individual client objectives.

The firm uses a core‑and‑satellite asset allocation approach—relying on passively managed index funds and ETFs as the core and adding active funds or individual equities and fixed income where appropriate—and emphasizes global diversification. Investment management is typically conducted on a discretionary basis under a limited power of attorney while custodial assets remain with third‑party broker‑dealers, and IFMGroup reports clients receive custodial statements and can request portfolio reports.

Notable and atypical features disclosed in the brochure are a significant non‑U.S. client base paired with globally diversified portfolios, and that the advisers also maintain life‑insurance agent licenses and may receive commissions from insurance and annuity sales. The firm acknowledges the resulting conflicts of interest and describes supervisory controls, disclosure practices and a Code of Ethics to mitigate those conflicts.