IFC works with family owned businesses, closely held corporations, and abundance minded individuals in the following areas:

  • Cash Flow Efficiencies
  • Protection of Real Wealth
  • Retirement Income Planning
  • Wealth Management
  • Business and Estate Planning

IFC is a firm that believes in offering holistic financial services to every client guaranteeing a very high standard of excellence, ethics, transparency, and creativity in our planning with an emphasis on tax efficiency and minimizing fees.

Our company is involved with numerous charities and local businesses. Peter, Garrett, and Natalie are involved in the Auburn Chamber of Commerce, serve on the Salvation Army Auburn Corps Advisory Board. Peter and Garrett are involved in Rotary, Natalie is involved in the Placer Hills Education Foundation and Soroptomist. We sponsor the Gold Country Fairgrounds and Auburn Recreation District. We’re also involved in our local churches and many community events throughout the year.

One of IFC’s unique approaches to finance is our ten step process. This process is split between two appointments starting with getting to know you and your goals, moving to fact finding, to planning, and ultimately implementing solutions. This process has been refined with Peter’s and Garrett’s combined experienced of over four decades.


Peter G. Konrad, CLU, LUTCF – President/Cash Flow Coach

Email: peter@ifcins.com

Phone: (530)-886-8550, ext 102

Fax (866)-554-9484

Mail: 102 El Dorado St. Auburn, CA 95603

CA License number: 0650134

Peter G. Konrad entered into the financial industry in 1982. After a brief period in sales, he turned his focus to recruiting and training producers as an independent general agent. He then spent 11 years in corporate positions including account executive, district manager, regional director of agencies and regional vice president.

Most of Peter’s 13 years with Hartford Life were spent developing business and estate planning life insurance sales from the property and casualty agencies in Northern California and Nevada. In March 2000, Peter ventured out on his own and formed Integrated Financial Concepts Inc., supporting the independent producer in our industry’s ever-changing environment. His marketing thrust and expertise are in the advanced sales arena of business and estate planning, as well as the liquidity sale marketed through the MoneyTrax system.

Peter is committed to supporting the financial industry through the National Association of Insurance and Financial Advisors (NAIFA), where he has served Sacramento’s chapter through all the chairs, state committees, and national leadership development.

Peter graduated from the Leadership In Life Institute pilot program in 2000 and moderated the institute for the following six years. He is also currently serving the National Insurance Marketing Executives as advisor to the board and is also a speaker/trainer on personal growth and discovering individual beliefs through “Performance Software for the Mind”. Peter has a heart for service and is currently on the board of directors for Youth with a Mission, Chico, and founder of Upper Hand, Inc., a non-profit organization designed to provide community service to those in need. He has also been a pioneer in the critical illness industry.

Peter is active in his local church as well as missions abroad and enjoys an active life with his wife and three children on their 10-acre ranch. Peter also enjoys a plethora of outdoor activities including traveling, camping, motorsports, watersports, snow sports, and more.

Peter specializes in succession planning, family wealth preservation, and legacy planning. For professionals, Peter oversees recruiting and advanced planning.


Garrett S. Konrad – COO/Creative Wealth Strategist

Email: garrett@ifcins.com

Phone: (530)-886-8550, ext 101

Fax: (866)-554-9484

Mail: 102 El Dorado St. Auburn, CA 95603

CA License number: 0H6715

The Business Stuff: Garrett started working with IFC as a teenager in 2009. His first role was administrative assistant and the state wouldn’t even allow him to add a license until he turned 18. Through the years he has taken on more responsibilities and now serves as the Chief Operating Officer and is a shareholder of the firm. In 2015 Garrett developed a plan to form the Registered Investment Adviser arm of IFC. That plan was executed in early 2016 and has grown rapidly to what it is today. Garrett currently serves on the board of the National Insurance Marketing Executives as the Communications Chair.

The Personal Stuff: Garrett graduated high school as a Junior with one year of college already completed. He is married to Noelle Konrad who is the Senior Magazine Writer for a local media company. Garrett’s passions include music, traveling, exotic sports cars, physical fitness, nutrition, and disrupting the traditional processes relating to finance. Garrett has ventured to nineteen countries and counting. One of his lesser known hobbies is playing the drums. Believe it or not, he used to play for a post hardcore rock band! Garrett is active in his community, serving on the Advisory Board of the local Salvation Army corps, as President-Elect and Club Service Chair of the Sierra Passport Rotary Club, as a table leader in his Young Married class at church, as a member of the Auburn Chamber of Commerce, and more. In his spare time, you can find Garrett doing all the things above. Because he doesn’t have any “spare” time.

Garrett specializes in custom retirement planning, legacy planning, and wealth preservation. For professionals, Garrett oversees onboarding, training, marketing, compliance, and operations.


Natalie Litchfield – Wealth Advisor

Email: natalie@ifcins.com

Phone: (530)-886-8550, ext 103

Fax (866)-554-9484

Mail: 102 El Dorado St. Auburn, CA 95603

CA License number: 0I22458

Natalie began her passion for personal finance during college when she majored in accounting and business at Chico State University. She spent 6 years at Paychex Inc. working with small businesses, setting up payroll services and 401K plans. Her favorite part was working with employees on their path to retirement, which lead her to become a financial advisor in 2012. Since then she has enjoyed working with many people developing custom financial plans to get them to and through their retirement years.
Natalie is married with two kids and lives in Applegate, CA. She loves spending time with her family doing anything outdoors, especially cooking, hiking and camping. She is also very involved in her community where she is passionate about bettering education, creating opportunities for women and young girls, and supporting local businesses. She currently is the president of her Soroptimist Club, serves on the board of Placer Hills Education Foundation and the Salvation Army.

Natalie specializes in investing for growth, wealth preservation and tax strategies.


Deanie Repec – Accounts Manager

Email: deanie@ifcins.com

Phone: (530)-886-8550

Fax: (866)-554-9484

Mail: 102 El Dorado St. Auburn, CA 95603


Deanie has been working with IFC since July of 2002, however she has worked with Peter for over 30 years. She has experience in account management and banking services with major corporations such as Bank of America and Lowe’s. Her knowledge of business and expertise in the management of financial accounts is invaluable. She is committed to accuracy and excellence. Deanie’s interests include spending time with friends and family and she hopes to never take any of them for granted. Deanie and her husband Brian have been lifelong friends with Peter and his wife Danelle.

Deanie specializes in accounts payable, accounts receivable, and all other bookkeeping aspects.


Kelly Hawk – Office Manager

Email: kelly@ifcins.com

Phone: (530)-886-8550, 104

Fax (866)-554-9484

Mail: 102 El Dorado St. Auburn, CA 95603

Kelly joined IFC in the summer of 2018. She has a background in customer service and administrative responsibilities that stood out as key qualities the IFC team needed in this role. Her interests include outdoors activities and tiny houses, of which she is building one on a trailer frame. She also has a son who is a frequent visitor to the office.

Kelly specializes in client services and scheduling. For professionals, Kelly oversees all new business workflows and adviser support.


Sir Ichabod Frederick Cornelius (IFC) – Mascott

Email: sirichabodfrederickcornelius@ifcins.com

Phone: (530)-886-8550

Fax (866)-554-9484

Mail: 102 El Dorado St. Auburn, CA 95603

Sir Ichabod Frederick Cornelius, or as he is more commonly known as, Sir IFC, joined the company in the winter of 2016 as the firm was acquiring and moving into a new headquarters. Sir IFC comes to work faithfully every day standing guard near the entrance. He is a master of medieval warcraft. His hobbies include, but are not limited to, the use of a flail, hand to hand combat, and archery. He also fully enjoys sitting at tables – particularly the round kind.

He only uses his skills and talents to protect IFC’s clients while always putting their best interest ahead of his own. His mission is to guard any and all information that enters his domain. In his spare time you will find Sir IFC jousting, practicing his sword fighting, and doing anything he can to maintain his edge.

Sir Ichabod Frederick Cornelius specializes in standing guard and being awesome.