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An Independent Registered Investment Advisor (IRIA) or Independent Financial Advisor (IFA) is a professional who provides personalized investment advice and financial planning services to clients, operating independently rather than being employed by a financial institution. Becoming an independent advisor involves obtaining necessary certifications, building a client base, and managing one's own business. Deciding between a career as an agent or an independent advisor depends on factors such as autonomy, clientele, and business model preferences.

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