Investment Fiduciary Planners, LLC

Investment Fiduciary Planners provides advisory services to individuals, high‑net‑worth individuals, non‑profits, and small businesses, offering portfolio management, financial planning, and the selection and oversight of third‑party asset managers. The firm generally focuses on investments such as mutual funds, fixed income, real estate funds (including REITs), equities, ETFs, TIPS, commodities and private placements, and it does not impose a minimum account size.

The firm follows a structured relationship management process — discovery, analysis, development, implementation and ongoing monitoring — and tailors model allocations and specific recommendations to each client’s goals, restrictions and risk tolerance. Investment decision‑making relies primarily on fundamental analysis and modern portfolio theory, with technical analysis used at times, and portfolios are implemented both through discretionary authority on some accounts and, notably, through third‑party managers and non‑discretionary arrangements.

What distinguishes the firm from many peers is that a firm principal is also a licensed insurance agent and may offer commissionable insurance products to clients, a practice the brochure discloses as a potential conflict of interest. The firm also routinely directs clients to third‑party advisers and receives fee‑sharing from those advisers, and a substantial portion of assets are managed on a non‑discretionary basis (including certain SIMPLE IRA arrangements), which affects how investment changes are executed.