{"url":"https://nivawealth.com/firms/ifs-group-328774","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/328774","regulatoryAum":240000000,"crd":"328774","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6568752","suffix":null,"lastName":"FRY","firstName":"ANDREW","middleName":"KENNETH"},{"crd":"2199322","suffix":null,"lastName":"FRY","firstName":"KENNETH","middleName":"WALTER"},{"crd":"5726081","suffix":null,"lastName":"GUTHRIE","firstName":"BRENT","middleName":"RUSSELL"},{"crd":"1046173","suffix":null,"lastName":"KRICHTEN","firstName":"JOSEPH","middleName":"EUGENE"},{"crd":"4763354","suffix":null,"lastName":"LEONARD","firstName":"MARTIN","middleName":"EDWARD"},{"crd":"5767999","suffix":null,"lastName":"PERRETTA","firstName":"JOSEPH","middleName":"ANTHONY"}],"total":6,"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":"2024-07-03","regulatoryAum":200000000,"clients":235,"employees":14,"offices":1},{"filedOn":"2025-01-29","regulatoryAum":210000000,"clients":234,"employees":7,"offices":1},{"filedOn":"2026-07-07","regulatoryAum":240000000,"clients":267,"employees":6,"offices":1}],"secFileNumber":"801-129581","legalName":"Ifs Group, LLC","displayName":"IFS Group","slug":"ifs-group-328774","website":"https://ifsgroup.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/ifs-group-1/posts/?feedView=all","founded":"2002","organization":"Pennsylvania limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1205 Manor Drive, Ste 200","city":"Mechanicsburg","state":"PA","stateName":"Pennsylvania","country":"United States","postalCode":"17055"},"tradeNames":[],"registration":{"secApproved":"29 February 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":898876.404494382,"staff":{"employees":6,"advisory":6,"brokerDealerReps":6,"insuranceAgents":6,"promoters":1},"aum":{"regulatory":240000000,"discretionary":210000000,"discretionaryAccounts":254,"nonDiscretionary":30000000,"nonDiscretionaryAccounts":90,"wrapProgram":240000000,"nonUsClientsPct":0,"nonAumClients":5},"clientTypes":[{"label":"Individuals (other than HNW)","clients":195,"regulatoryAum":125000000},{"label":"High-net-worth individuals","clients":72,"regulatoryAum":115000000}],"feePrograms":[{"role":"other","program":"Financial Planning","summary":"Financial planning is billed hourly, at between $175 and $250 an hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010885","versionId":1010885,"submittedOn":"2026-02-23","documentName":"FORM ADV PART 2A - IFS GROUP"},{"role":"other","program":"Pension Consulting","summary":"Pension consulting is an asset-based annual fee: 1.50% on $100,000 to $500,000, stepping down to 0.80% above $5,000,000; generally negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010885","versionId":1010885,"submittedOn":"2026-02-23","documentName":"FORM ADV PART 2A - IFS GROUP"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T17:37:08.039673+00:00","documents":[{"name":"FORM ADV PART 2A - IFS GROUP","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010885","versionId":1010885,"submittedOn":"2026-02-23"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010886","versionId":1010886,"submittedOn":null}]},"custodians":[{"name":"LPL Financial LLC","shortName":"LPL Financial","location":"Fort Mill, SC","smaAssets":240000000}],"custodyNote":"IFS Group does not have custody of client assets.","leadership":[{"name":"Joseph Krichten","title":"Managing Member & Chief Compliance Officer","crd":"1046173"}],"ownership":[{"label":"Joseph Krichten","detail":"Managing member & chief compliance officer in the 75% or more ownership band and a control person, since February 2002."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Pennsylvania","offices":1,"addresses":[{"street":"1205 Manor Drive, Ste 200","city":"Mechanicsburg","headquarters":true}]}],"brochureServices":["education planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"717-766-1144","stateRegisteredReps":6,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Other"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":38},{"label":"U.S. government/agency bonds","percent":2},{"label":"U.S. state and local bonds","percent":2},{"label":"Investment grade corporate bonds","percent":3},{"label":"Securities issued by registered investment companies or business development companies","percent":45},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"7 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/328774/PDF/328774.pdf","brochureDate":"23 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010885","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does IFS Group have?","answer":"IFS Group has 267 clients and manages $240 million for them, as of July 2026. They include 195 individual clients and 72 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 7 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does IFS Group offer?","answer":"IFS Group provides financial planning, portfolio management for individuals and small businesses, pension consulting, education planning, insurance, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does IFS Group use?","answer":"IFS Group’s separately managed account assets are held at LPL Financial LLC (Fort Mill, SC), with $240M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 7 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does IFS Group have?","answer":"IFS Group has 6 investment adviser representatives registered with state securities authorities, out of 6 employees, and 6 perform investment advisory functions. 6 employees are registered representatives of a broker-dealer and 6 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 IFS Group invest in?","answer":"At the end of its last fiscal year, IFS Group’s separately managed accounts held 45% registered funds (mutual funds, ETFs, BDCs), 38% exchange-traded equities, 10% cash and equivalents, 3% investment grade corporate bonds, 2% U.S. government and agency bonds and 2% state and local bonds.","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 IFS Group?","answer":"IFS Group’s direct owner is Joseph Krichten (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 7 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does IFS Group get paid?","answer":"IFS Group is paid through a percentage of assets under management, hourly charges and other compensation. 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":"Is IFS Group registered with the SEC?","answer":"Yes, IFS Group has been registered with the SEC as an investment adviser since 29 February 2024. Its CRD number is 328774 and its SEC file number is 801-129581.","source":"Form ADV Part 1A, Item 1, filed 7 July 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact IFS Group?","answer":"IFS Group’s main office is at 1205 Manor Drive, Ste 200, Mechanicsburg, PA 17055. Its phone number is 717-766-1144. Its website is ifsgroup.com.","source":"Form ADV Part 1A, Item 1.F, filed 7 July 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."}