Independent Financial Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides investment advisory and comprehensive financial planning services to individual clients, including retirement planning, tax awareness, risk management and wealth accumulation. It serves a small client base and does not require a minimum account size for portfolio management.
Portfolio construction is client‑directed, with allocations determined by each client's time horizon and risk tolerance and strategies that include growth, conservative growth and income approaches. The firm operates largely on a non‑discretionary basis—clients retain trading authority, may impose investment restrictions, and receive custody and execution services through a third‑party custodial platform.
Notably, the firm is also a licensed insurance agency that recommends and places insurance products as part of its financial planning, earning commissions on those sales and incorporating them into the planning process. The principal has long experience in brokerage and financial planning, and the firm does not accept proxy‑voting authority, leaving voting responsibilities to clients.
Client services
Expertise
Fee options
$0 - $500,000: 2.00% $500,001 - $1,000,000: 1.50% $1,000,001+: 1.00%
Commissions earned on insurance products recommended as part of financial plan.
$100 per hour for consultations.
Main office
Fowlerville MI
Advisors at this office
1
Most active in
Michigan
Also doing business as
Allen J Romain · Independent Financial Services · Independent Financial Services Associates
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
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