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RIA / WealthAdvisordual registered (broker-dealer)30 years in industry

SANDRA ANN PAPPALARDO

Advisor at INDEPENDENT FINANCIAL GROUP, LLC

SAN DIEGO, CA

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Search this name across graphsid dfx:ria:e9688d30-a894-88af-5751-dcfc36736482

Data as of Sep 14, 2026 (this record's last observation) from federal regulator filings. Page built Sep 21, 2026, 6:57 PM UTC and rebuilt at most every 15 minutes.

Relationships: 9
Dated events: 2
On other graphs: 0
Observed: Apr 11, 2002 to Sep 14, 2026

Across DFX

This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Facts

fact = as filed or announced; derived = computed by DFX; estimate = a band, never a point

Current firm: INDEPENDENT FINANCIAL GROUP, LLC
Current firm class: broker-dealer affiliated wealth managerderived
Book size: not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none
Industry start: Jan 15, 1996earliest registration or exam on IAPD
Years in industry: 30derivedfrom the industry start date
Years at current firm: 1derivedfrom the current registration's begin date
Prior firms: 8
Current registrations: 1
Registered states: 1
Exams: S63|S66
First exam: Jan 15, 1996
First registration: Apr 11, 2002
Dual registered: yes, broker-dealer
IAPD individual key: 1295983

Registration history

registration spans on IAPD; the basis says whether the span is a current registration or a prior employment record

Firm	Class	Began	Ended	Current	Branch	Basis
INDEPENDENT FINANCIAL GROUP, LLC	Bd affiliated wealth	Dec 3, 2024	n/a	yes	SAN DIEGO, CA	Current employment
FINANCIAL SENSE ADVISORS, INC.	Independent wealth	Jan 10, 2023	Nov 21, 2024	no	SAN DIEGO, CA	Previous registration
LPL FINANCIAL LLC	Bd affiliated wealth	Apr 29, 2022	Jan 4, 2023	no	SAN DIEGO, CA	Previous registration
SORRENTO PACIFIC FINANCIAL, LLC	Former SEC adviser	Jul 15, 2015	Dec 31, 2017	no	SAN DIEGO, CA	Previous registration
CUSO FINANCIAL SERVICES, L.P.	Former SEC adviser	Jul 13, 2015	Apr 13, 2022	no	SAN DIEGO, CA\|PORTLAND, OR\|Yuma, AZ	Previous registration
FINANCIAL SENSE ADVISORS, INC.	Independent wealth	Jun 6, 2013	Oct 26, 2015	no	SAN DIEGO, CA	Previous registration
CUSO FINANCIAL SERVICES, L.P.	Former SEC adviser	Feb 25, 2013	May 31, 2013	no	SAN DIEGO, CA	Previous registration
FINANCIAL SENSE ADVISORS, INC.	Independent wealth	Jan 23, 2007	Mar 5, 2013	no	SAN DIEGO, CA	Previous registration
SPIRE WEALTH MANAGEMENT, LLC	Bd affiliated wealth	Apr 11, 2002	Jul 31, 2003	no	MCLEAN, VA	Previous registration

Moves

a move is two registration dates; a bulk corporate re-registration is typed BULK_TRANSFER and is not a move

From	To	Left	Joined	Gap, days	Kind	Move type
FINANCIAL SENSE ADVISORS, INC.	INDEPENDENT FINANCIAL GROUP, LLC	Nov 21, 2024	Dec 3, 2024	12	Firm change	RIA to ibd
LPL FINANCIAL LLC	FINANCIAL SENSE ADVISORS, INC.	Jan 4, 2023	Jan 10, 2023	6	Firm change	RIA to RIA
CUSO FINANCIAL SERVICES, L.P.	SORRENTO PACIFIC FINANCIAL, LLC	Apr 13, 2022	Jul 15, 2015	-2,464	Channel change	Other
SORRENTO PACIFIC FINANCIAL, LLC	LPL FINANCIAL LLC	Dec 31, 2017	Apr 29, 2022	1,580	Firm change after gap	Ibd to RIA
FINANCIAL SENSE ADVISORS, INC.	CUSO FINANCIAL SERVICES, L.P.	Oct 26, 2015	Jul 13, 2015	-105	Firm change after gap	Other
CUSO FINANCIAL SERVICES, L.P.	FINANCIAL SENSE ADVISORS, INC.	May 31, 2013	Jun 6, 2013	6	Firm change	Other
FINANCIAL SENSE ADVISORS, INC.	CUSO FINANCIAL SERVICES, L.P.	Mar 5, 2013	Feb 25, 2013	-8	Firm change	Other
SPIRE WEALTH MANAGEMENT, LLC	FINANCIAL SENSE ADVISORS, INC.	Jul 31, 2003	Jan 23, 2007	1,272	Firm change after gap	Other

Relationships

Registered with (6)

→ INDEPENDENT FINANCIAL GROUP, LLCRegistered adviserregistration: current employment
Dec 3, 2024 to presentfactForm ADV
→ FINANCIAL SENSE ADVISORS, INC.Registered adviserregistration: previous registration
Jan 10, 2023 to Nov 21, 2024factForm ADV
→ LPL FINANCIAL LLCRegistered adviserregistration: previous registration
Apr 29, 2022 to Jan 4, 2023factForm ADV
→ CUSO FINANCIAL SERVICES, L.P.Registered adviserregistration: previous registration
Jul 13, 2015 to Apr 13, 2022factForm ADV
→ SORRENTO PACIFIC FINANCIAL, LLCRegistered adviserregistration: previous registration
Jul 15, 2015 to Dec 31, 2017factForm ADV
→ SPIRE WEALTH MANAGEMENT, LLCRegistered adviserregistration: previous registration
Apr 11, 2002 to Jul 31, 2003factForm ADV

Dated events

Occurred
Nov 21, 2024
Advisor changed firm
Sandra Ann Pappalardo left Financial Sense Advisors, Inc. for Independent Financial Group, Llc (registered 2024-12-03)
Form ADVobserved 6 days ago
Occurred
Jan 4, 2023
Advisor changed firm
Sandra Ann Pappalardo left Lpl Financial Llc for Financial Sense Advisors, Inc. (registered 2023-01-10)
Form ADVobserved 6 days ago