IFC Personal Money Managers

The firm uses a traditional asset allocation framework spanning equities, fixed income, and mutual funds. Portfolios are held at third-party custodians in separately managed accounts. IFC does not manufacture proprietary investment products or operate pooled investment vehicles — it selects from publicly available securities and fund offerings to build diversified, long-term portfolios for each client.

IFC's client base is predominantly individual households, including mass-affluent and high-net-worth investors. There is no public record of the firm managing institutional separate accounts, pension assets, or endowment capital. Its ADV filing classification has historically reflected a retail-focused advisory practice.

No. The firm operates as an independent registered investment advisor and has no ownership ties to a bank holding company, wirehouse, insurance carrier, or private equity platform. Its independence has been maintained since the 1983 founding without any recorded merger, acquisition, or external capital raise.

As a fee-based RIA, IFC typically charges clients an asset-based advisory fee calculated as a percentage of assets under management. This aligns with the standard independent RIA compensation model. The firm's Form ADV Part 2A would detail specific fee schedules, breakpoints, and any financial planning retainer arrangements for non-discretionary engagements.

IFC Personal Money Managers is registered with the SEC or applicable state securities authority as a registered investment advisor. The firm's Form ADV filings are publicly accessible through the SEC's Investment Adviser Public Disclosure database, where any disciplinary events, client complaints, or regulatory actions would be disclosed. No material enforcement actions have been publicly reported.