IFM’s Pro Bono Financial Plan Offer

Has The Performance of Stock & Bond Markets Changed Your Financial/Retirement Plan?

Do You Even Have a Financial/Retirement Plan?

Receive IFM’s FREE 40 page Financial/Retirement Plan and see if you are on track to Retire When You Want & be able to Fulfill Your Retirement Dreams!  Detailed action plans are offered as part of IFM’s Financial Planning fee agreement.

IFM’s Pro Bono Financial Plan Offer is designed to help All First Responders, All Military Personnel & Veterans, and Anyone who has received a recent Cancer diagnosis.  We will not only complete the Financial Plan for Free, we will provide a detailed investment action plan for you, based on the results from the plan, and your stated Goals!


IFM’s Financial/Retirement Plan Includes:

Summary & Action Plan – Your Current Situation, Your Goals, Planning Details, Retirement Analysis & Actions James recommends you start taking,

Age at Retirement Analysis – See if you can afford to Retire at your desired Retirement age,

Annual Contribution Analysis – See if you are investing enough each year to get into & through Retirement,

Annual Investment Return Analysis – Pre / Post Retirement Returns needed to meet all your Retirement Goals,

Asset Allocation Graphs – For all of your investment accounts based on your Retirement Goals, Your Current Asset Allocation & Suggested Asset Allocation (Total Return),

Cash Flow Summary – Earned Income, Social Security, Qualified Plans, Investment Additions, Personal Living Expenses, Planned Debt Expenses , Education Expenses, Planned Deposits, Misc. Expenses, Taxes,

Retirement Capital Analysis – Retirement Spending Needs, Social Security, Pension Income, Education, What Age You MAY Run Out of Money,

Insurance Summary – Analysis, Term, Whole-Life, Universal Life,

Survivor Needs Analysis – Suggests Additional Life Insurance Coverage if Needed & How Much Additional would be Needed, Helping You Avoid Over-Insuring Your Family & Paying High Premiums,

Disability Income Insurance – Investment Income, Investment Assets, Retirement Assets, Spouse’s Salary, Pension Income, Changes in Living Expenses, Inflation, Education Needs, Taxes, Social Security Disability Benefits, Employer Disability Benefits,

Long-Term Care Needs – Long-Term Care Defined, Long-Term Care Need Analysis, Long-Term Care Unprotected Need,

Estate Planning – Current & Alternative Analysis, Net Worth Statement, Tax Estimate.

You can preview the Financial Plan questionnaire & Sample Financial Plan by clicking the Books & Sample Plan Tab at the Top of Homepage. 

You will have the option to print out the questionnaire, complete the forms, scan & email the file to

The information you provide Independent Financial Management, LLC, in order to complete your Financial/Retirement Plan, will NEVER be shared with anyone other than IFM.



Sample Financial Plan
Sample Financial Plan
Financial Plan Questionnaire
Financial Plan Questionnaire