Sandra A. Pappalardo

INDEPENDENT FINANCIAL GROUP

San Diego, CA 92130

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CRD#: 1295983

Professional summary

Sandra Ann Pappalardo is a registered financial advisor currently at INDEPENDENT FINANCIAL GROUP, LLC located in San Diego, California.

Sandra is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1984. Sandra has worked at 17 firms and has passed the Series 66, Series 63, Series 99TO, Series 79TO, SIE, Series 7, Series 51, Series 27 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.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Sandra Ann Pappalardo's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

CRS (Client Relationship Summary) - BD

Click below to view Sandra Ann Pappalardo'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

December 3, 2024 - Present

INDEPENDENT FINANCIAL GROUP, LLC

Office #1: 12671 High Bluff Dr Ste 200, San Diego, CA 92130

RIA

CRD#: 7717

San Diego, CA

Current

December 3, 2024 - Present

INDEPENDENT FINANCIAL GROUP, LLC

Office #1: 12671 High Bluff Dr Ste 200, San Diego, CA 92130

RIA

CRD#: 7717

San Diego, CA

Past

January 10, 2023 - November 21, 2024

FINANCIAL SENSE ADVISORS, INC.

RIA

CRD#: 111090

SAN DIEGO, CA

Past

January 10, 2023 - November 21, 2024

FINANCIAL SENSE SECURITIES, INC.

CRD#: 39301

SAN DIEGO, CA

Past

April 29, 2022 - January 4, 2023

LPL FINANCIAL LLC

RIA

CRD#: 6413

SAN DIEGO, CA

Past

April 28, 2022 - January 4, 2023

LPL FINANCIAL LLC

CRD#: 6413

SAN DIEGO, CA

Past

March 25, 2021 - April 13, 2022

WESTERN INTERNATIONAL SECURITIES, INC.

CRD#: 39262

PASADENA, CA

Past

May 5, 2020 - April 13, 2022

SORRENTO PACIFIC FINANCIAL, LLC

CRD#: 127787

SAN DIEGO, CA

Past

March 26, 2020 - April 13, 2022

CADARET, GRANT & CO., INC.

CRD#: 10641

SYRACUSE, NY

Past

March 3, 2020 - April 13, 2022

NEXT FINANCIAL GROUP, INC.

CRD#: 46214

HOUSTON, TX

Past

July 15, 2015 - December 31, 2017

SORRENTO PACIFIC FINANCIAL, LLC

RIA

CRD#: 127787

SAN DIEGO, CA

Past

July 15, 2015 - December 31, 2017

SORRENTO PACIFIC FINANCIAL, LLC

CRD#: 127787

SAN DIEGO, CA

Past

July 13, 2015 - April 13, 2022

CUSO FINANCIAL SERVICES, L.P.

RIA

CRD#: 42132

SAN DIEGO, CA

Past

July 13, 2015 - April 13, 2022

CUSO FINANCIAL SERVICES, L.P.

CRD#: 42132

SAN DIEGO, CA

Past

June 6, 2013 - October 26, 2015

FINANCIAL SENSE ADVISORS, INC.

RIA

CRD#: 111090

SAN DIEGO, CA

Past

February 25, 2013 - May 31, 2013

CUSO FINANCIAL SERVICES, L.P.

RIA

CRD#: 42132

SAN DIEGO, CA

Past

February 25, 2013 - May 31, 2013

CUSO FINANCIAL SERVICES, L.P.

CRD#: 42132

SAN DIEGO, CA

Past

January 23, 2007 - March 5, 2013

FINANCIAL SENSE ADVISORS, INC.

RIA

CRD#: 111090

SAN DIEGO, CA

Past

January 8, 2007 - October 26, 2015

FINANCIAL SENSE SECURITIES, INC.

CRD#: 39301

SAN DIEGO, CA

Past

March 29, 2004 - January 11, 2007

FIRST DOMINION CAPITAL CORP.

CRD#: 16330

RICHMOND, VA

Past

April 11, 2002 - July 31, 2003

SPIRE WEALTH MANAGEMENT, LLC

RIA

CRD#: 113908

MCLEAN, VA

Past

November 12, 2001 - August 8, 2003

CAMBRIDGE INVESTMENT RESEARCH, INC.

CRD#: 39543

FAIRFIELD, IA

Past

December 11, 2000 - August 1, 2001

FIRST ALLIED SECURITIES, INC.

CRD#: 32444

SAN DIEGO, CA

Past

March 31, 2000 - June 30, 2000

LOCKWOOD FINANCIAL SERVICES, INC.

CRD#: 40655

MALVERN, PA

Past

September 7, 1996 - March 24, 2000

FINANCIAL SENSE SECURITIES, INC.

CRD#: 39301

SAN DIEGO, CA

Past

September 5, 1991 - October 9, 1996

LPL FINANCIAL LLC

CRD#: 6413

FORT MILL, SC

Past

February 26, 1987 - August 25, 1990

UBS FINANCIAL SERVICES INC.

CRD#: 8174

Past

September 26, 1985 - August 25, 1990

UBS FINANCIAL SERVICES INC.

CRD#: 8174

WEEHAWKEN, NJ

Past

June 4, 1985 - August 12, 1985

ADVEST, INC.

CRD#: 10

Past

September 24, 1984 - March 17, 1986

MML INVESTORS SERVICES, LLC

CRD#: 10409

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

California
(12/3/2024)

IAR

California
(12/3/2024)

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 66

Date: 4/8/2002

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 1/15/1996

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 99TO

Date: 1/2/2023

Operations Professional Examination

General Industry/Product Exam

Series 79TO

Date: 1/2/2023

Investment Banking Registered Representative Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 9/15/1984

General Securities Representative Examination

Principal/Supervisory Exam

Series 51

Date: 5/23/2003

Municipal Fund Securities Principal Examination

Principal/Supervisory Exam

Series 27

Date: 11/6/1995

Financial and Operations Principal Examination

Principal/Supervisory Exam

Series 24

Date: 8/2/1993

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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Advisor Monitoring

Firm Stability Insights

Sandra A. Pappalardo

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Sandra Ann Pappalardo's CRS (Customer Relationship Summary).

CRS (Client Relationship Summary) - BD

Click below to view Sandra Ann Pappalardo's CRS (Customer Relationship Summary).

Certified licenses

Experience

INDEPENDENT FINANCIAL GROUP, LLC

FINANCIAL SENSE ADVISORS, INC.

FINANCIAL SENSE SECURITIES, INC.

LPL FINANCIAL LLC

LPL FINANCIAL LLC

WESTERN INTERNATIONAL SECURITIES, INC.

SORRENTO PACIFIC FINANCIAL, LLC

CADARET, GRANT & CO., INC.

NEXT FINANCIAL GROUP, INC.

SORRENTO PACIFIC FINANCIAL, LLC

SORRENTO PACIFIC FINANCIAL, LLC

CUSO FINANCIAL SERVICES, L.P.

CUSO FINANCIAL SERVICES, L.P.

FINANCIAL SENSE ADVISORS, INC.

CUSO FINANCIAL SERVICES, L.P.

CUSO FINANCIAL SERVICES, L.P.

FINANCIAL SENSE ADVISORS, INC.

FINANCIAL SENSE SECURITIES, INC.

FIRST DOMINION CAPITAL CORP.

SPIRE WEALTH MANAGEMENT, LLC

CAMBRIDGE INVESTMENT RESEARCH, INC.

FIRST ALLIED SECURITIES, INC.

LOCKWOOD FINANCIAL SERVICES, INC.

FINANCIAL SENSE SECURITIES, INC.

LPL FINANCIAL LLC

UBS FINANCIAL SERVICES INC.

UBS FINANCIAL SERVICES INC.

ADVEST, INC.

MML INVESTORS SERVICES, LLC

Primary Firm SEC Registration

INDEPENDENT FINANCIAL GROUP, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 4/8/2002

Series 63

Date: 1/15/1996

Series 99TO

Date: 1/2/2023

Series 79TO

Date: 1/2/2023

SIE

Date: 10/1/2018

Series 7

Date: 9/15/1984

Series 51

Date: 5/23/2003

Series 27

Date: 11/6/1995

Series 24

Date: 8/2/1993

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