Retirees

_{Michael L. Schwartz, CEPA®, RFC®, CFS
, a registered principal offering securities and advisory services through Independent F}_{inancial Group, LLC (IFG), a Registered Investment Advisor. Member FINRA/SIPC. Schwartz Financial and IFG are not affiliated.}

_{Independent Financial Group (IFG) does not provide the services of tax preparation and business valuations. Registered Representatives of IFG do not provide these services as part of their securities business.}

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_{Licensed to sell securities in the following states: DE, MA, MD, NJ, NY, OH, FL, PA, & TX.}

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