The Independent Financial Group
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The Independent Financial Group is a small, single‑advisor practice that provides financial planning, insurance advice, and nondiscretionary investment advisory services to individuals and business owners, often recommending an asset entry level of $1 million for its investment advisory services while offering planning and insurance work without a minimum. The firm acts as an independent consultant and arranges custody and implementation through approved third‑party institutional managers.
IFG generally operates on a nondiscretionary basis: it develops an investment policy statement with each client, obtains client approval before trades or manager changes, and selects independent third‑party managers to implement portfolios. The firm follows a CFP Board–aligned planning process, provides ongoing monitoring and quarterly due‑diligence reports, and offers clients online access that links account values to their financial plan.
What is distinctive about the practice is that the advisor is also a licensed insurance agent and may receive commissions when clients purchase recommended insurance products, a conflict the brochure discloses and that clients are free to decline. The firm does not provide direct portfolio management for individual accounts, does not take custody of client assets, and does not accept proxy‑voting authority, underscoring its role as a consultant rather than a discretionary asset manager.
Client services
Expertise
Occupation focus
Fee options
Initial planning fee charged as fixed fee based on estimated time and complexity; exact amount negotiable.
$0 - $500,000: 1.20% annually (0.30% quarterly) $500,001 - $1,000,000: 0.70% annually (0.175% quarterly) $1,000,001+: 0.50% annually (0.125% quarterly)
Advisor is an independent insurance agent and may receive commissions if clients purchase recommended insurance products; however, advisory fees are separate and clients are under no obligation to act on recommendations.
Financial planning charges accrue at $300 per hour for initial planning.
Account minimum: $1,000,000 Minimum fee: $450 quarterly fee for accounts below $500,000 (at IFG’s discretion) Fee-only: Fee-only financial planning and investment advisory services; no third-party commissions accepted by Advisor for advisory services.
Main office
2655 First Street, Suite 250
Simi Valley CA 93065
Advisors at this office
1
Most active in
California
Also doing business as
Independent Financial Strategies, Inc. · Lorenzen, James Marion · The Independent Financial 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
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