Why Work with Independent Financial Professionals?
As Independent Financial Professionals we act as fiduciaries by focusing on our clients' best interest. We are committed to providing our clients with personalized and unbiased recommendations and expertise they need to navigate the complex world of finance.
Growing Together
We are not interested in selling any particular products to generate commissions, instead we offer fee based arrangements allowing us to grow together with our clients.
Client-Centric Solutions
We are not beholden to specific products or strategies of any particular investment firm but are free to recommend what’s truly the best fit for our clients' unique goals and objectives.
Services
"Without counsel purposes are disappointed: but in the multitude of counsellors they are established"
Proverbs 15:22
Financial Planning process and technology
We steer clear of cookie-cutter Financial Planning
Instead, our process begins with a deep dive into your unique situation and circumstances, allowing us to craft a plan that is authentically yours.
Our process is simple and designed to help you think through your goals and input relevant personal and financial information from the comfort of your home.
a little bit more About Us...
...now that you know the benefits of working with Independent Financial Professionals, here is a little bit more about who we are and what we do. We are a boutique Wealth Management firm that provides comprehensive Financial Planning and Investment Management services tailored to your unique needs and circumstances.
Our mission is to make quality Financial Planning and Investment Management services available to anyone who strives for financial freedom and security. Whether you're a young professional, mid-career established individual, preparing for retirement, or already retired, we’d be honored to provide you with the right tools and personalized guidance to help you achieve your financial goals. We'd love to chat with you and offer a free consultation to discuss your financial future. We'll take the time to get to know you and figure out exactly how we can help you on your financial journey.
Meet The Team
Tim Hohulin, ChFC
With a wealth of experience gained over almost 4 decades in the financial industry, Tim continues to place the utmost importance on his clients, leveraging his vast knowledge to provide personalized financial advice and mentoring the next generation of fine professionals.
Tofig Mammadov
Placing clients' needs at the forefront of his practice, Tofig utilizes array of innovative solutions to gain a comprehensive understanding of clients' unique circumstances and deliver tailored and holistic financial planning solutions that provide exceptional value.
Brett Heiniger
With 20+ years of experience as a software developer and a degree in Finance, Brett brings a diverse skill set to our team. Focusing on customized solutions for his clients, his organizational skills and attention to detail make him a valuable partner in their financial journeys.
Pricing
We believe in empowering our clients on their wealth journey through a flexible and transparent pricing model. With our subscription-based financial planning services, clients can choose between convenient quarterly or annual payment options, ensuring affordability and flexibility that suits their preferences. Additionally, when clients want to take advantage of our investment management services they receive a $200 discount on financial planning fees for each $50,000 allocated under our management.
Financial
Planning
fees
First Year - $500/quarter or $1600/year
Second Year and on - $250/quarter or $800/year
$200 discount per each $50,000 allocated under our management
investment
management
fees
1.50% on the first $500,000 we manage
1.35% between $500,000 and $1,000,000
1.25% between $1,000,000 and $2,000,000
0.50% between $2,000,000 and $5,000,000
0.25% on the amounts above $5,000,000
Check what people are asking
How do you get paid?
Primary source of our compensation is outlined in the pricing section above. However, as a client-centric company, we offer the convenience of purchasing some commission-based financial and insurance products. For example, if your financial plan identifies life insurance gaps, you have the option to purchase it through our office. In this scenario, we collect commission from the insurance company. Alternatively, you can choose to work with your preferred insurance agent. The choice is yours.
Do I have enough money to work with you?
We strive to make quality wealth management services accessible for people from all walks of life. However, to stay viable as a business we need to be compensated. Therefore, we may apply a one-time start-up fee of $250 for clients with investable assets under $25,000, which under certain circumstances may be waived.
How do you manage assets?
We’re glad you’ve asked! Depending on your investment objectives and the level of assets you would like us to manage, we have several options for you to consider: 1. Actively Managed American Funds' Models: For those seeking active management and a proven track record, look no further. With investment minimums as low as $250, American Funds present a compelling solution catering to a wide range of investors with various risk tolerances and investment objectives. 2. In-House All-Weather Models: With investment minimum starting at $50,000, our All-Weather models are carefully constructed using Harry Markowitz's Modern Portfolio Theory (MPT). To ensure their resilience across diverse market conditions, we handpick a basket of cost-effective funds with historical data dating back to 1992 for our core holdings. But our commitment doesn't stop there. We consistently seek opportunities to enhance our models by including newer asset classes and emerging management styles. This ongoing refinement is designed to provide optimal value to our clients over time. 3. Custom Strategies: To ensure optimal diversification our Custom Strategies require a minimum investment of $250,000. For clients that seek to leverage our investment management expertise to build more sophisticated strategies this level of investment allows us to utilize individual stocks, bonds, and derivative products along with mutual and exchange traded funds without compromising optimal levels of diversification. If you would like to learn more, feel free to get in touch as we would be happy to guide you through these options and discuss them in more detail as needed.
Can I get help with my 401K?
Absolutely! In fact, our unique approach allows us to manage clients' 401Ks seamlessly even without requiring you to leave your existing plan. Here's how it works: 1. First, we check if your plan custodian is on the list of supported custodians on our platform. 2. If so, we'll then provide you with a link to authorize us to manage your 401K. 3. Once you grant us authorization, we'll gain access to all the investment options within your plan. This enables us to create a tailored portfolio that aligns with your specific investment objectives. Additionally, certain plans offer Self-Directed Brokerage Accounts (SDBAs), allowing us to explore investment opportunities beyond the standard options listed in your plan. This could enable further diversification and optimization of your portfolio volatility.
CLIENT LOGINS
Official Statements
Tax Documents
Prospectuses
Trade Confirmations
Paperless Settings
Managed Portfolio Portal
Asset Aggregation
Quarterly Reports
Allocation Overview
Financial Planning Portal
Goals Review
Play Zone
Stress Testing
Net Worth Snapshot