IFG Advisors, LLC (CRD # 172329) (IFG) is registered as an investment adviser with the
Securities Exchange Commission. IFG is based in Missouri and is organized as a limited
liability company under the laws of the State of Missouri. The firm was formed in 2006, has
been registered as a registered investment adviser since 2014, and currently has 5
employees.
IFG’s principal office and place of business is located at 10560 Old Olive Street Road, Suite
250, St. Louis, MO 63141. Regular business hours are Monday through Friday by
appointment. The firm can be contacted at its primary office by phone at (314) 569-0500
and by fax at (314) 569-0573. The firm also has an investment adviser representative
located in Colorado who can be reached at (203) 668-3090.
W. Ted Isaacs is the owner and President of the firm, and Judith A. Isaacs currently serves
as the Chief Compliance Officer.
IFG provides ongoing discretionary and non-discretionary portfolio management services
to individuals, families and businesses. When providing portfolio management services,
the firm not only makes recommendations related to investments, but also implements
these recommendations and provides ongoing monitoring and reporting. Clients may elect
to give the firm discretion to make all decisions (discretionary management), or may prefer
to approve all decisions before implementation (non discretionary management).
IFG also provides ongoing investment advisory services to individuals, families and
businesses where the firm makes ongoing investment recommendations but the client is
responsible for determining whether or not to implement recommendations, and if they
decide to do so, are responsible for actual implementation.
Additionally, the firm provides project oriented and ongoing financial planning services to
individuals and families where the firm offers advice or other strategic assistance in areas
such as education funding, retirement planning, estate planning, risk management,
employee benefits planning, tax planning, etc. When engaged to provide financial planning
assistance, clients are responsible for determining whether or not to implement a
recommendation, and if they decide to do so, are responsible for actual implementation.
The actual details of an engagement vary on a case by case basis depending on the
complexity of
the client’s financial situation. Generally however, an engagement involves
identification of goals and objectives, collection and analysis of data, formulation of a
strategy, and preparation of a written plan.
IFG also provides retirement plan services to businesses which may include plan level
services such as discretionary management services, non-discretionary management
services, and investment advisory services related to different types of retirement plans.
When providing management services, the firm is responsible for implementing
recommendations. When the firm is providing advisory services, the client is responsible
for implementation of recommendations.
Regardless of the services provided, each is tailored to the individual needs of a particular
client (whether an individual, a family, or a business) through an assessment conducted
prior to an engagement. Clients may impose restrictions related to the level of discretion
granted, the types of investments used, etc. Terms of an actual engagement, including
description of service, limitations and restrictions, fees, etc., are all detailed before any
engagement begins in a written client agreement.
Because IFG is a registered investment adviser, we are required to meet certain fiduciary
standards when providing investment advice to clients. Additionally, when we provide
investment advice related to a retirement plan account or an individual retirement account,
we are considered fiduciaries within the meaning of Title I of the Employee Retirement
Income Security Act and/or the Internal Revenue Code, as applicable, which are laws
governing retirement accounts. As such, we are required to act in your best interest and
not put our interest ahead of yours, even though our compensation creates some conflicts
with your interests in that the more you have us manage, the more we can earn. Our clients
however are under no obligation to use services recommended by our associated persons.
Furthermore, we believe that our recommendations are in the best interests of our clients
and are consistent with our clients’ needs.
The firm does not provide a “wrap fee” program.
As of 12/31/2023, IFG managed $554,000,000 in assets, $537,000,000 of which was
managed on a discretionary basis and $17,000,000 of which was managed on a non-
discretionary basis.