{"url":"https://nivawealth.com/firms/ifc-and-insurance-marketing-283976","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/283976","regulatoryAum":173456003,"crd":"283976","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7955888","suffix":null,"lastName":"Harper","firstName":"Rebecca","middleName":"A"},{"crd":"6686423","suffix":null,"lastName":"Konrad","firstName":"Garrett","middleName":"Sterling"},{"crd":"2040887","suffix":null,"lastName":"KONRAD","firstName":"PETER","middleName":"GUENTHER"},{"crd":"6125229","suffix":null,"lastName":"Litchfield","firstName":"Natalie","middleName":null},{"crd":"8172674","suffix":null,"lastName":"Naves","firstName":"Evan","middleName":null},{"crd":"8336046","suffix":null,"lastName":"Penn-Henry","firstName":"Shiloh","middleName":null},{"crd":"6712693","suffix":null,"lastName":"Sherman","firstName":"Jason","middleName":"L"},{"crd":"1366609","suffix":null,"lastName":"STARR","firstName":"IRA","middleName":"JOSEPH"}],"total":8,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-06-19","regulatoryAum":110292865,"clients":987,"employees":7,"offices":5},{"filedOn":"2026-06-12","regulatoryAum":173456003,"clients":1050,"employees":7,"offices":4}],"secFileNumber":"801-133751","legalName":"Ifc and Insurance Marketing, Inc.","displayName":"Ifc and Insurance Marketing","slug":"ifc-and-insurance-marketing-283976","website":"https://ifcins.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"102 El Dorado St.","city":"Auburn","state":"CA","stateName":"California","country":"United States","postalCode":"95603"},"tradeNames":["Bekki Harper Financial","Spectrum Retirement Solutions","Wise Money Info"],"registration":{"secApproved":"26 June 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":165476.25572519083,"staff":{"employees":7,"advisory":7,"brokerDealerReps":0,"insuranceAgents":7,"promoters":0},"aum":{"regulatory":173456003,"discretionary":173456003,"discretionaryAccounts":1421,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":1020,"regulatoryAum":128653659},{"label":"High-net-worth individuals","clients":28,"regulatoryAum":44765457},{"label":"Charitable organizations","clients":2,"fewerThan5":true,"regulatoryAum":36887}],"feePrograms":[{"role":"main","program":"Investment Management Services","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017519","versionId":1017519,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-11","documentName":"FORM ADV PART 2A FOR IFC","fee_rate_low":null,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning and Consultation","summary":"Hourly fee of up to $250 per hour, or a flat fee of no more than $10,000 for financial planning and consultation; the fee is negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017519","versionId":1017519,"submittedOn":"2026-03-11","documentName":"FORM ADV PART 2A FOR IFC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:28:10.196642+00:00","documents":[{"name":"FORM ADV PART 2A FOR IFC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017519","versionId":1017519,"submittedOn":"2026-03-11"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1048274","versionId":1048274,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=946362","versionId":946362,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=946361","versionId":946361,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=946360","versionId":946360,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=946358","versionId":946358,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=946357","versionId":946357,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=946355","versionId":946355,"submittedOn":null}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":0},{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Culver City, CA","smaAssets":0}],"custodyNote":"Ifc and Insurance Marketing does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Peter Konrad","title":"President","crd":"2040887"},{"name":"Garrett Konrad","title":"Chief Compliance Officer","crd":"6686423"}],"ownership":[{"label":"Peter Konrad","detail":"President in the 75% or more ownership band and a control person, since August 2001."},{"label":"Garrett Konrad","detail":"Chief compliance officer in the 10% to 25% ownership band and a control person, since July 2016."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":3,"privateResidences":0},"listedOfficeAddresses":4,"foreignOffices":[],"officesByState":[{"state":"Arizona","offices":1,"addresses":[{"street":"3732 N. 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They include 1,020 individual clients, 28 high-net-worth individuals and 2 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 12 June 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Ifc and Insurance Marketing offer?","answer":"Ifc and Insurance Marketing provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, publishing newsletters, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Ifc and Insurance Marketing charge?","answer":"Ifc and Insurance Marketing charges up to 1.50% a year for its Investment Management Services. The fee is billed in advance and is negotiable.","source":"FORM ADV PART 2A FOR IFC, filed 11 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Ifc and Insurance Marketing use?","answer":"The filing also lists Charles Schwab & Co., Inc. and Altruist Financial LLC with no separately managed account assets.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 12 June 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Ifc and Insurance Marketing have?","answer":"Ifc and Insurance Marketing has 7 investment adviser representatives registered with state securities authorities, out of 7 employees, and 7 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 7 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Ifc and Insurance Marketing invest in?","answer":"At the end of its last fiscal year, Ifc and Insurance Marketing’s separately managed accounts held 84% registered funds (mutual funds, ETFs, BDCs), 13% exchange-traded equities, 1% U.S. government and agency bonds, 1% investment grade corporate bonds and 1% pooled vehicles (private funds and similar).","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Ifc and Insurance Marketing?","answer":"Ifc and Insurance Marketing’s direct owners are Peter Konrad (75% or more) and Garrett Konrad (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 12 June 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Ifc and Insurance Marketing get paid?","answer":"Ifc and Insurance Marketing is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Ifc and Insurance Marketing?","answer":"Ifc and Insurance Marketing’s main office is at 102 El Dorado St., Auburn, CA 95603. Its phone number is 530-886-8550. Its website is ifcins.com.","source":"Form ADV Part 1A, Item 1.F, filed 12 June 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}