Independent Financial Group, LLC

Joshua W. Tschirgi, CFP®, is the Principal and Lead Wealth Advisor at True Path Capital Strategies, LLC, which he founded in 2016 after five years in the industry. Josh works with people approaching retirement or already in it, using a structured process that coordinates retirement income, investments, tax considerations, and risk management into a single plan. Much of that work happens across disciplines. Retirement decisions rarely stay in one lane — a Roth conversion is a tax question, a beneficiary designation is a legal one, and a withdrawal strategy touches both. Josh coordinates directly with clients’ CPAs and estate attorneys so the pieces get decided together rather than in sequence, and so nobody is working from a partial picture. He holds the CERTIFIED FINANCIAL PLANNER™ certification, FINRA Series 7 and Series 66 registrations, and an Oregon life and health insurance license. Common areas of work include retirement income planning, Social Security timing, Roth conversion analysis, estate and charitable giving coordination, and long-term care planning. Clients meet with Josh by video, at their homes, or at a professional meeting space, whichever fits. His practice is based in the Portland metro area and serves clients across seventeen states. He and his wife, Melissa, are raising two children in West Linn. Outside the office he golfs, hikes, and follows the Ducks. 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 including high-net-worth individuals and institutional clients.

Ben Arie is a Series 66-licensed financial advisor with Independent Financial Group, LLC, based in North Bethesda, MD. He has four years of industry experience and previously worked at Plotkin Financial Advisors and APEX Home Loans. Outside of advising, he is involved in selling life insurance and annuities. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a variety of advisory programs through its AccessPoint platform and third-party asset managers, providing both discretionary and non-discretionary portfolio management.

Futoshi Hoshino is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and bringing nine years of industry experience. Prior to joining Independent Financial Group in 2018, he worked at Centaurus Financial INC. from 2016 to 2018. Outside of his advisory role, Hoshino is president and owner of B-Global Agency, a sports athlete representation and management company. 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 financial planning and portfolio management through various platforms, utilizing both firm and third-party models that incorporate strategic asset allocation and ongoing due diligence.

Ellis Baum is an investment adviser representative at Independent Financial Group, LLC with four years of industry experience. Prior to joining Independent Financial Group in 2026, he worked at Cambridge Investment Research Advisors, Inc. for three years and Residential Resources Inc for over two decades. He serves as a board member and volunteer in his local community and works as a consultant on coaching engagements. Independent Financial Group, LLC provides investment advisory and brokerage services to a wide range of clients including individuals, high-net-worth clients, and institutions. The firm offers diversified financial planning and portfolio management through multiple platforms, using both firm and third-party models tailored to client risk profiles.

Haixia Cheng is a CFP® professional with the Independent Financial Group, LLC and has over six years of industry experience, including roles at YongAn GuoFu Asset Management Co, Nanhua Fund Management Co., China Securities Co., and China Asset Management Co. She began her career in 2007 and joined Independent Financial Group in 2026. Ms. Cheng previously operated under her own name from 2023 to 2026. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and retirement plans. The firm employs both firm- and third-party models to develop tailored client strategies across a range of risk profiles, combining passive and active investment exposures with ongoing portfolio monitoring.

John Cadwell is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Independent Financial Group since 2010 and also serves as the appointed administrator of the Estate of Paul E. Troutner. Cadwell provides financial consulting services to estate executors, including document preparation and asset management. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and pension plans. The firm employs both firm- and third-party models for portfolio management, combining strategic asset allocation with active and passive exposures tailored to client risk profiles.

Jennifer Morris Montes is a financial advisor at Independent Financial Group, LLC with six years of industry experience. She holds Series 63 and Series 66 credentials. Her prior work includes roles at Professional Advisory Services and The Law Offices of Hart, Mieras, Morris, where she volunteered in legal services. Outside of financial advising, she assists with implementation and training for VIP System Design, LLC. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and corporate retirement plans. The firm utilizes both firm- and third-party investment models and offers a range of services such as financial planning, portfolio management, and retirement plan solutions.

Kimberly An is a financial advisor at Independent Financial Group, LLC with a Series 66 designation and two years of industry experience. She has been with Independent Financial Group since 2015. Independent Financial Group, LLC provides investment advisory and brokerage services to a broad client base including individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers financial planning and portfolio management through various platforms and combines strategic asset allocation with active and passive investment exposures across different risk profiles.

Joseph Dixon is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 designations and 44 years of industry experience. He has been with Independent Financial Group since 2009. Outside of advisory work, he is a 50% owner of rental property within Executive Office Suites of Trenton. Independent Financial Group, LLC provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth clients, trusts, and institutional plans. The firm offers financial planning and portfolio management through multiple platforms, utilizing a mix of passive and active investment strategies tailored to client risk profiles.

Jeffrey Nero is a financial advisor with Independent Financial Group, LLC in Fullerton, CA, holding a Series 66 designation and bringing eight years of industry experience. He previously worked at Edward Jones and was involved with Nero Innovations Corporation for nearly a decade. Outside of advisory work, he has a role as a landlord in real estate management. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm utilizes both firm- and third-party models to develop tailored investment strategies that combine active and passive exposures across varied risk profiles.

Randy Goodsell is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has been with Independent Financial Group since 2011 and has led Goodsell & Company CPA, a tax preparation and accounting firm, since 1996. Outside of advisory services, he is a co-owner of Goodsell & Company CPAs, providing tax, audit, and consulting services to individuals and businesses. 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 employs both firm- and third-party investment models and combines passive and active strategies across various risk profiles.

Linda Mickelsen is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 credentials and offering 26 years of industry experience. She has been with Independent Financial Group since 2015 and is also involved in several other activities, including operating Lin Mickelsen Therapeutic Massage and working at Alcantara Vineyard. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutions. The firm uses a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence in both passive and active investment strategies.

Michael Boswak Jr. is a financial advisor at Independent Financial Group, LLC with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Transamerica Financial Advisors, Signator Investors, and IC Advisory Services. Outside of his advisory role, he owns Frontier Financial Group, which provides fixed insurance sales and tax preparation services. Independent Financial Group, LLC offers investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporations, and charitable organizations. The firm utilizes a combination of strategic asset allocation, multi-manager portfolios, and active and passive investment approaches through various platforms and third-party manager programs.

Matthew Moylan is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and six years of industry experience. His background includes roles at Regency Wealth Partners and previous work in the education sector with the Pewaukee and Eau Claire School Districts. Moylan also spent over a decade with Wauesha Parks, Recreation & Forestry. 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 and multi-manager portfolios, utilizing both passive and active investment strategies tailored to client risk profiles.

Karl Cole is a CFP® professional with 38 years of experience in the financial services industry. He has worked at Independent Financial Group, LLC since 2017 and previously spent 14 years with LPL Financial LLC. Cole is also a registered representative and owner of a DBA offering securities, insurance, and advisory services, and he holds a notary public commission and a Texas insurance agent license. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm utilizes both firm- and third-party models to develop tailored client strategies, combining active and passive exposures with ongoing portfolio monitoring and due diligence.