St. Augustine, FL Office

Interactive Financial Advisors provides financial planning and discretionary portfolio management to individuals (including high-net-worth clients), retirement plans, and other institutional clients. The firm combines planning and money-management services, offers selection of third‑party advisors and sub‑advisory programs, and commonly charges asset‑based advisory fees like many multi‑team firms.

IFA’s investment process draws on fundamental analysis and Modern Portfolio Theory to build diversified ETF and mutual fund model portfolios, and it uses model providers and third‑party managers through its platform arrangements. The firm uses a proprietary CARES process to produce its Making Life Better report and conducts periodic reviews to align allocations with client objectives.

Several features distinguish IFA from many peers: it operates a relatively large multi‑advisor network with many branch offices for its reported AUM, maintains formal family/employee access programs, and serves as both a recommending adviser and sub‑advisor to other managers. The brochure also discloses less common practices and risks — including use of direct indexing, assistance with securities‑backed lines of credit, consultation on political and AI‑related risks, a requirement to custody certain advisory programs at a specified custodian, and affiliations/referral arrangements (including a referral program and an affiliated life‑insurance distributor), as well as that some firm representatives may also earn commissions in their separate capacities.