# IFC

> IFC is an SEC-registered investment advisory firm in Auburn, CA, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated June 12, 2026.

- CRD: 283976
- Legal name: IFC and Insurance Marketing, Inc.
- Also doing business as: BEKKI HARPER FINANCIAL, SPECTRUM RETIREMENT SOLUTIONS, WISE MONEY INFO
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Auburn, CA
- Filing period: October 2026
- Form ADV filing dated: June 12, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/283976
- AdvisorCensus page: https://advisorcensus.com/firm/ifc-auburn-ca-283976

## Quick answers

**How is IFC compensated?**
On its Form ADV (Item 5.E, October 2026), IFC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**Where is IFC located?**
IFC's principal office is in Auburn, CA, according to its Form ADV; the July 2026 filing also lists 3 other offices (Schedule D, Section 1.F).

**Is IFC registered with the SEC or a state?**
IFC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 283976.

**How much does IFC manage?**
IFC reports $173,456,003 in regulatory assets under management in its Form ADV filing dated June 12, 2026 (100% discretionary).

**How have IFC's assets and staff changed since 2025?**
In the Form ADV data for IFC: Regulatory assets under management: $110,292,865 in the October 2025 data and $173,456,003 in the October 2026 data, up 57%. Total employees: 7 in October 2025 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does IFC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (1,020); high net worth individuals (28); charitable organizations (2).

**Which custodians does IFC use?**
IFC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Altruist Financial LLC and Charles Schwab & Co., Inc. as custodians holding 10% or more of its separately managed account assets.

**Does IFC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/283976

**What changed in IFC's recent Form ADV filings?**
In the July 2026 filing data: Regulatory assets under management went from $152,489,236 to $173,456,003 (+14%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Custodians (Schedule D, Section 5.K(3))
- Altruist Financial LLC
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $173,456,003
- Discretionary: $173,456,003
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 1,020 | $128,653,659 |
| High net worth individuals | 28 | $44,765,457 |
| Charitable organizations | 2 | $36,887 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)
- Publication of periodicals or newsletters
- Educational seminars/workshops
- Other

### Firm details
- Registered since: 2025 (1 year)
- Employees: 7 total, 7 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, FL, IL, MO, NC, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the July 2026 filing
- Asheville, NC
- Lake Saint Louis, MO
- Tucson, AZ

### Websites listed on Form ADV (Item 1.I)
- bekkiharper.com
- ifcins.com
- spectrumretirementsolutions.com
- wisemoneyinfo.com
- Facebook @IFCINS

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $110,292,865 | 7 | June 19, 2025 |
| October 2026 | $173,456,003 | 7 | June 12, 2026 |

Regulatory assets under management: $110,292,865 in the October 2025 data and $173,456,003 in the October 2026 data, up 57%.
Total employees: 7 in October 2025 and 7 in October 2026.

## Changes in the filing (last 12 months)

### July 2026
- Regulatory assets under management went from $152,489,236 to $173,456,003 (+14%).

### March 2026
- No longer lists the business name True Wealth Group.
- Regulatory assets under management went from $110,292,865 to $152,489,236 (+38%).
- No longer lists an office in Oxford, FL.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. IFC (CRD 283976): Form ADV filing data as of October 2026.