John Krehbiel has been working in the financial industry since 1980 and established IMS in 1993. Jamie Low, John’s niece, joined IMS in 2002 and manages the firm together with John. Paul Bachman, Jamie’s nephew, recently joined IMS in 2021.
Meet the family that has managed the IMS Income program since 1997.
IMS Income is our high-yield investment strategy that has a minimal level of risk.
IMS Five Funds is our equity investment strategy that has a stock market level of risk.
IMS clients manage suitability for their individual circumstances by the proportion they invest in IMS Income or in IMS Five Funds. Our older investors often select 100% IMS Income.
IMS Income is an actively managed high-yield mutual fund program that has performed as well as the stock market over the past 25 years.
IMS Five Funds is a less actively managed equity mutual fund program that synchronizes each fund to closely parallel the following objectives:
15% NASDAQ/OTC Indices
40% S&P 500 Index
15% Mid-Cap Growth
15% Dividend Growth
15% Growth and Income
The actively managed IMS Income fee is 1.2% per year, and the less actively managed IMS Five Funds fee is 0.4% per year
Although high-yield mutual funds have substantial market risk, they generate internal dividend returns that range between 5% and 8%. The periods IMS Income owns the defensive money market position, rather than the high-yield position, has had the effect of adding capital gains to the generous high-yield returns.
Our charts illustrate the IMS Income defensive periods have increased total performance to a level well above that of an unmanaged investment in the high-yield markets. Yield Plus.
CPA Lunches and Nearby Coffee Shops
Lunches with CPAs
A Nearby Coffee Shop
CPAs support the effective wealth management of their client’s resources.
IMS regularly invites CPAs to lunch to encourage their support of consistent IRA contributions.
Meet Paul or John at a local coffee shop, or around your dining table, to discuss:
– Conservative investing
– A Contributory IRA
Spokane
Seattle
Helpful Content
Gain Comparisons
Average Annual Gains
| IMS Income | 7.9% |
| S&P 500 Stock Index (VFINX) | 7.5% |
| Short-Term Bond Index (VBISX) | 3.1% |
Account Minimums
The minimum to establish an IRA contributary account is $10,000 plus an automatic monthly contribution.
Client Testimonials
A few words from the clients we serve
Behind the Scenes at IMS
Financial Software
Trade is FastTrack compatible software that supports the mutual fund price momentum algorithms developed by IMS.
Visit FastTrack at https://fasttrack.net/
Custodian and Platform
https://www.equityadvisorsolutions.com/
Initial Account History
IMS Income Initial Account
25 Years December 31, 1997 - December 31, 2022
573.9% IMS Income
239.2% High-Yield
513.6% S&P 500 Stock Index
IMS Income is the Initial IMS Income Account, High-Yield is the FastTrack all high-yield bond funds (recently 689) and the S&P 500 Stock Index is VFINX, the Vanguard S&P 500 500 Index Fund.
Interfund Management Services, Inc. (IMS Advisor) is a Registered Investment Advisory firm in the state of Washington, located at 19106 E Sprague, Unit G4, Spokane Valley WA 99016. Interfund Management Services, Inc. is in compliance with current registration and /or the filing notice requirements for Washington State Registered Investment Advisers. Interfund Management Services, Inc. may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. CRD #0116103