I
Independent Financial Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,418,855
Clients
27
0% high-net worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
27
TypicalAverage account size
$52,550
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
Financial planning
Portfolio management
Expertise
Annuities
Long-term care insurance
Disability insurance
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 location
Independent Financial Services
Fowlerville MI, United States
Number of offices
1
Most active in
Independent Financial Services has reported serving >5 clients in these states in the last 12 months.
Michigan
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
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.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
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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