Thomas K. Riding

INDEPENDENT FINANCIAL GROUP

Victorville, CA 92392

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CRD#: 1141596

Professional summary

Thomas Kirk Riding is a registered financial advisor currently at INDEPENDENT FINANCIAL GROUP, LLC located in Victorville, California.

Thomas is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1983. Thomas has worked at 11 firms and has passed the Series 65, Series 63, SIE, Series 7 and Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

(1) VICTOR VALLEY COLLEGE FOUNDATION POSITION: Officer/Director NATURE: Board Member or Officer (Profit or Non-Profit) INVESTMENT RELATED: Yes NUMBER OF HOURS: 10 SECURITIES TRADING HOURS: 10 START DATE: 08/31/2020 ADDRESS: 15505 W. Sand Street, Suite 102, Victorville CA 92392, United States DESCRIPTION: BOARD MEMBER FOR VICTOR VALLEY COLLEGE FOUNDATION (2) VICTOR VALLEY COLLEGE POSITION: Coach NATURE: Coaching INVESTMENT RELATED: No NUMBER OF HOURS: 15 SECURITIES TRADING HOURS: 10 START DATE: 08/31/2020 ADDRESS: 15505 W. Sand Street, Suite 102, Victorville CA 92392, United States DESCRIPTION: ASSISTANT WRESTLING COACH AT VICTOR VALLEY COLLEGE (3) CAPSTONE CONSULTING GROUP POSITION: Agent/Representative NATURE: DBA Name for Marketing Purposes Only INVESTMENT RELATED: Yes NUMBER OF HOURS: 10 SECURITIES TRADING HOURS: 1 START DATE: 08/24/2020 ADDRESS: 15505 W. Sand Street, Suite 102, Victorville CA 92392, United States DESCRIPTION: 100% owner of DBA used for marketing purposes (4) CAPSTONE CONSULTING GROUP (INSURANCE) POSITION: Agent/Representative NATURE: Insurance outside of IFG INVESTMENT RELATED: Yes NUMBER OF HOURS: 20 SECURITIES TRADING HOURS: 1 START DATE: 01/16/2020 ADDRESS: 15505 W. Sand Street, Suite 102, Victorville CA 92392, United States DESCRIPTION: Insurance agent offering various types of insurance products TRUSTEE POSITION: Trustee NATURE: Acting as a POA, Trustee, Executor INVESTMENT RELATED: Yes NUMBER OF HOURS: 2 SECURITIES TRADING HOURS: 2 START DATE: 08/31/2020 ADDRESS: 15505 W. Sand Street, Suite 102, Victorville CA 92392, United States DESCRIPTION: TRUSTEE CAPSTONE CONSULTING GROUP POSITION: Agent/Representative NATURE: DBA Name for Marketing Purposes Only INVESTMENT RELATED: No NUMBER OF HOURS: 10 SECURITIES TRADING HOURS: 1 START DATE: 08/24/2020 ADDRESS: 15505 W. Sand Street, Suite 102, Victorville CA 92392, United States DESCRIPTION: 100% OWNER/INVESTMENT ADVISOR REPRESENTATIVE/NOTARY/INSURANCE AGENT DBA CAPSTONE CONSULTING GROUP PROVIDING COMPREHENSIVE FINANCIAL PLANNING, INVESTMENT ADVISORY, HEALTH, DISABILITY, LONG TERM CARE, FIXED AND VARIABLE INSURANCE, EQUITY INDEXED ANNUITIES, ESTATE PLANNING, AND NOTARY SERVICES SINCE 1989. INVESTMENT RELATED. APPROXIMATELY 40% TIME SPENT. BUSINESS CONDUCTED AT OFFICE ADDRESS OF RECORD.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Thomas Kirk Riding's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

CRS (Client Relationship Summary) - BD

Click below to view Thomas Kirk Riding's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

February 21, 2012 - Present

INDEPENDENT FINANCIAL GROUP, LLC

Office #1: 15505 W. Sand Street Suite 102, Victorville, CA 92392

RIA

CRD#: 7717

Victorville, CA

Current

February 21, 2012 - Present

INDEPENDENT FINANCIAL GROUP, LLC

Office #1: 15505 W. Sand Street Suite 102, Victorville, CA 92392

RIA

CRD#: 7717

Victorville, CA

Past

September 5, 2003 - February 21, 2012

PACIFIC WEST FINANCIAL CONSULTANTS INC

RIA

CRD#: 108728

VICTORVILLE, CA

Past

September 5, 2003 - February 21, 2012

PACIFIC WEST SECURITIES, INC.

CRD#: 6390

VICTORVILLE, CA

Past

November 30, 1998 - September 23, 2003

SENTRA SECURITIES CORPORATION

RIA

CRD#: 10249

VICTORVILLE, CA

Past

November 16, 1998 - September 23, 2003

SENTRA SECURITIES CORPORATION

CRD#: 10249

PHOENIX, AZ

Past

February 8, 1995 - November 16, 1998

UNITED PACIFIC SECURITIES, INC.

CRD#: 21986

CARLSBAD, CA

Past

March 12, 1992 - February 13, 1995

CONSOLIDATED INVESTMENT SERVICES, INC.

CRD#: 7929

LITTLETON, CO

Past

June 18, 1989 - March 16, 1992

SUNAMERICA SECURITIES, INC.

CRD#: 20068

PHOENIX, AZ

Past

July 18, 1986 - June 18, 1989

SOUTHMARK FINANCIAL SERVICES, INC.

CRD#: 6518

Past

May 9, 1986 - July 24, 1986

IRONWOOD SECURITIES, INC.

CRD#: 13543

Past

August 8, 1985 - April 23, 1986

EQUITY-ONE CORPORATION

CRD#: 15126

Past

August 23, 1983 - November 7, 1985

BOARDWALK CAPITAL CORPORATION

CRD#: 10279

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

INDEPENDENT FINANCIAL GROUP, LLC

CRD#: 7717 / SEC#: 801-62667, 8-22870

RIA

Registered Investment Advisory firm - SEC (1/30/2004 Approved)

Broker-Dealer Firm Regulated by FINRA (Los Angeles district office)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

Alabama
(5/8/2015)

Alaska
(2/10/2021)

Arizona
(2/21/2012)

California
(2/21/2012)

IAR

California
(2/21/2012)

Colorado
(5/18/2012)

Florida
(2/21/2025)

Georgia
(2/26/2019)

Illinois
(11/8/2021)

Indiana
(11/4/2013)

Iowa
(3/19/2018)

Mississippi
(2/21/2012)

Missouri
(2/21/2012)

Nebraska
(11/8/2021)

Nevada
(6/15/2012)

New Jersey
(6/27/2012)

New Mexico
(3/3/2015)

New York
(2/21/2012)

North Carolina
(2/21/2012)

Ohio
(2/19/2014)

Oregon
(3/7/2018)

Pennsylvania
(1/7/2025)

South Carolina
(5/1/2014)

Texas
(2/21/2012)

IAR

Texas
(9/7/2012)

Utah
(2/21/2012)

Wisconsin
(7/29/2016)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 65

Date: 6/9/1999

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 10/20/1983

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 8/20/1983

General Securities Representative Examination

Principal/Supervisory Exam

Series 24

Date: 6/16/1989

General Securities Principal Examination

SRO Registrations

FINRA

Current Firm

INDEPENDENT FINANCIAL GROUP, LLC

CRD#: 7717 / SEC#: 801-62667, 8-22870

RIA

Registered Investment Advisory firm - SEC (1/30/2004 Approved)

Broker-Dealer Firm Regulated by FINRA (Los Angeles district office)

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Contact information

Main Address

12671 High Bluff Drive Suite 200, San Diego, CA 92130

Mailing Address

12671 High Bluff Drive Suite 200, San Diego, CA 92130

Phone number

(858) 436-3180

Established

Delaware since 07/09/2001

Firm type

Limited Liability Company

Fiscal year end

December

Firm Size

Large

# of Employees

622

SEC notice filing (52 States and Territories)

FINRA licenses (53 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Customer Relationship Summary (CRS / FINRA)

Latest Form ADV

Part 2 Brochures

FORM ADV PART 2B WRAP BROCHURE (9/4/2025)

FORM ADV PART 2A BROCHURE (9/4/2025)

Direct owners and executive officers

Name	Position	CRD#
INDEPENDENT FINANCIAL GROUP, INC.	OWNER
DAVIS, SCOTT EARLE	CFO & FINOP	7160800
DENNEN, BRIAN	CCO BROKERAGE & ADVISORY	3239786
FISCHER, DAVID ALLEN	MANAGING DIRECTOR	1634222
HEISING, SCOTT ALLEN	CHIEF EXECUTIVE OFFICER/ MANAGING DIRECTOR	2192259
KEEFE, KEVIN MICHAEL	PRESIDENT, COO	1869560
KREISMAN, SARAH JILL	SVP & GENERAL COUNSEL	2671706
PEARSON, TROY DALE	ROSFP	2413897

Regulatory assets under management

Total Number of Accounts	44,046
AUM (Assets Under Management)	$ 11,322,059,063

Disclosures

Regulatory Event	15
Arbitration	2
Bond	1

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Thomas K. Riding

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Thomas Kirk Riding's CRS (Customer Relationship Summary).

CRS (Client Relationship Summary) - BD

Click below to view Thomas Kirk Riding's CRS (Customer Relationship Summary).

Certified licenses

Experience

INDEPENDENT FINANCIAL GROUP, LLC

PACIFIC WEST FINANCIAL CONSULTANTS INC

PACIFIC WEST SECURITIES, INC.

SENTRA SECURITIES CORPORATION

SENTRA SECURITIES CORPORATION

UNITED PACIFIC SECURITIES, INC.

CONSOLIDATED INVESTMENT SERVICES, INC.

SUNAMERICA SECURITIES, INC.

SOUTHMARK FINANCIAL SERVICES, INC.

IRONWOOD SECURITIES, INC.

EQUITY-ONE CORPORATION

BOARDWALK CAPITAL CORPORATION

Primary Firm SEC Registration

INDEPENDENT FINANCIAL GROUP, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 6/9/1999

Series 63

Date: 10/20/1983

SIE

Date: 10/1/2018

Series 7

Date: 8/20/1983

Series 24

Date: 6/16/1989

FINRA

Current Firm

INDEPENDENT FINANCIAL GROUP, LLC

Contact information

SEC notice filing (52 States and Territories)

FINRA licenses (53 States and Territories)

Documents

Part 2 Brochures

Direct owners and executive officers

Regulatory assets under management

Disclosures

Red Flags

Company Information

INDEPENDENT FINANCIAL GROUP, LLC

TRUST BUT VERIFY

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