Ru Bai

Employer firm

Independent Financial Group, LLC CRD 7717

$12.9B regulatory AUM 301 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Portfolio management (institutions)
• Pension consulting
• Selection of other advisers

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 05/2019 → 07/2020
  Equity Services, Inc.
  Montpelier, VT
• 01/2019 → 07/2020
  True Path Financial
  Newport Beach, CA
• 02/2015 → 10/2018
  Leyard American Corporation
  Buffalo Grove, IL
• 07/2020 → Present
  Independent Financial Group
  San Juan Capistrano, CA
• 07/2020 → 09/2023
  Capital Financial Consultants Group Inc
  San Juan Capistrano, CA

Previous Registrations

• 2020-07-24 → 2023-09-14
  Capital Financial Consultants Group, Inc.
  San Juan Capistrano, CA
• 2019-08-02 → 2020-07-17
  Equity Services, Inc.
  Irvine, CA

Other Businesses

(1) POM AGENCY, INC POSITION: Agent/Representative NATURE: Insurance outside of IFG INVESTMENT RELATED: Yes NUMBER OF HOURS: 40 SECURITIES TRADING HOURS: 10 START DATE: 07/22/2020 ADDRESS: 31461 Rancho Viejo Road #104a, San Juan Capistrano CA 92675, United States DESCRIPTION: INSURANCE AGENT OFFERING VARIOUS TYPES OF INSURANCE PRODCUTS. (2) CINDYBAI FINANCIAL POSITION: Agent/Representative NATURE: Insurance outside of IFG INVESTMENT RELATED: Yes NUMBER OF HOURS: 80 SECURITIES TRADING HOURS: 40 START DATE: 06/01/2022 ADDRESS: 608 SILVER SPUR RD STE 330, Rancho Palos Verdes CA 90275, United States DESCRIPTION: OUTSIDE INSURANCE (3) ACN POSITION: Independent Contractor NATURE: Other: INVESTMENT RELATED: No NUMBER OF HOURS: 30 SECURITIES TRADING HOURS: 5 START DATE: 01/01/2023 ADDRESS: 5459 Whitefox Dr, Rancho Palos Verdes CA 90275, United States DESCRIPTION: "Impact Health Share" program, medical insurance bill. (4) EFAS CPA INC. POSITION: Officer/Director NATURE: Tax Preparation/Accounting/Bookkeeping/CPA INVESTMENT RELATED: No NUMBER OF HOURS: 25 SECURITIES TRADING HOURS: 10 START DATE: 01/01/2024 ADDRESS: 608 Silver Spur Road Suite 330, STE330, Rolling Hill Estates CA 90274, United States DESCRIPTION: I plan to form a cpa firm with 2 other CPAs. This CPA firm will help doing bookkeeping, income tax consulting, preparation and filing for both individual and small business. My role in this CPA firm is marketing. I will introduce the clients who need tax filing work to the 2 other CPAS who would do the work. I plan to use my current office 608 silver spur rd , Rolling hills estates, CA90274 as a registered location for this cpa firm. CPA work will be done virtually by the other 2 CPAs. I might occasionally use this office to meet potential client. This office will not be used for storing client info. ONE AMERICA POSITION: Agent/Representative NATURE: Insurance outside of IFG INVESTMENT RELATED: No NUMBER OF HOURS: 15 SECURITIES TRADING HOURS: 5 START DATE: 07/21/2025 ADDRESS: 608 SILVER SPUR RD STE 330, RLLNG HLS EST CA 90274-3665, United States DESCRIPTION: I plan to engage Long Term Care with One America as affiliate agent. This will provide better support than BGA.

Exams

• S66 Uniform Combined State Law Examination
  2019-08-02

Designations

• Certified Financial Planner