Lifetime Financial Advisors offers personalized financial planning and consulting services to individuals, trusts, estates, charitable organizations, and businesses. Founded in 1986 and based in Encinitas, California, Lifetime Financial Advisors focuses on creating comprehensive financial plans covering personal finances, taxes and cash flow, death and disability planning, retirement, investments, and college funding. The firm also provides the Participant Retirement Program, delivering specific investment and asset allocation recommendations for retirement plan accounts like 401(k) plans. Lifetime Financial Advisors does not manage investment portfolios directly or trade securities on behalf of clients. Instead, the firm operates purely in an advisory capacity, helping clients establish financial goals and strategies that can be implemented independently or through associated professionals.
Fee Structure
Lifetime Financial Advisors offers ongoing financial planning advice through an annual retainer fee ranging from $500 to $5,000 per year, charged monthly. This service provides periodic guidance throughout the year on financial planning issues, reviewing quarterly performance summaries, and offering advice on major life changes and business matters.
- Comprehensive financial plan — $2,500 to $25,000 depending on the scope and complexity of the work, with a 50% deposit required upfront
- Hourly financial advice — $250 per hour for senior advisor consultations without a full financial plan
- Special project hourly consulting — $50 to $250 per hour depending on the agreed-upon project
- Participant Retirement Program — $150 to $500 flat fee for written asset allocation recommendations on retirement plan assets