Independence Wealth Group
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Independence Wealth Group provides portfolio management and comprehensive financial planning primarily for individual (non‑high‑net‑worth) clients, using percentage‑of‑AUM billing for ongoing investment management and a fixed‑fee option for standalone financial plans. The firm reports roughly $4.66 million in assets under management across about 54 client relationships and does not impose a formal account minimum.
The firm constructs portfolios using fundamental analysis within a strategic, long‑term asset allocation framework and offers tailored plans based on clients’ goals, risk tolerance and tax considerations; accounts are reviewed periodically and advisors meet with clients at least twice a year. IWG also offers educational seminars and workshops to clients at no cost, and uses third‑party planning and analytics tools (e.g., MoneyGuide Pro, Koyfin) and occasional outside consultants for specialized analysis.
What distinguishes this firm from many peers is its integration of insurance business activities into its advisory platform: the firm holds a minority ownership stake in an insurance agency and several advisors are licensed insurance agents who devote substantial time to insurance activities, and the firm is affiliated with an insurance company to offer a variable annuity product that requires a separate insurer account. These insurance relationships and the practice of providing complimentary client workshops are less common among similar supported firms and represent potential sources of conflict that clients should consider.
Client services
Expertise
Fee options
Financial Planning Fee negotiated between $500 and $5,000, fixed rate, non-refundable if terminated
1% annually, charged daily and billed monthly in arrears
Main office
See officeSan Antonio TX
Advisors at this office
1
Offices (2)
Most active in
Texas
Also doing business as
G. H. Wealth Management, LLC · George Albert Hinojosa · Hinojosa Ii, George Albert · Independence Wealth Group
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
John C
CFP®
San Antonio, TX
Independence Wealth Group
John Chan is a CFP® professional with 11 years of industry experience, currently affiliated with Independence Wealth Group in San Antonio, TX. He has worked at G. H. Wealth Management, LLC since 2016. Outside of his advisory role, he is a licensed insurance agent and a minority owner of Falcon Insurance Services, a property and casualty insurance agency, where he provides financial oversight. Independence Wealth Group offers portfolio management and comprehensive financial planning primarily for individual clients using a strategic, long-term asset allocation approach. The firm integrates insurance activities within its advisory platform and provides educational seminars and customized plans based on client goals, risk tolerance, and tax considerations.
Raphael V
Series 63, Series 65
San Antonio, TX
Independence Wealth Group
Raphael Vega is a financial advisor at Independence Wealth Group with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with G. H. Wealth Management, LLC since 2016. In addition to his advisory role, he is involved in selling Medicare Advantage and prescription drug plans. Independence Wealth Group offers portfolio management and comprehensive financial planning primarily for individual clients. The firm uses a strategic, long-term asset allocation approach with fundamental analysis and provides tailored plans based on clients’ goals, risk tolerance, and tax considerations.
George H
Series 66
San Antonio, TX
Independence Wealth Group
George Hinojosa is a financial advisor at Independence Wealth Group with 13 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones from 2012 to 2013. He is a minority owner providing financial oversight at Falcon Insurance Services, a property and casualty insurance agency in San Antonio. Independence Wealth Group offers portfolio management and comprehensive financial planning primarily for individual clients, using fundamental analysis within a strategic, long-term asset allocation framework. The firm integrates insurance activities into its advisory platform and provides educational seminars and workshops at no cost to clients.
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