Ideal Life Advisory is a fee-only registered investment advisor based in East Bethel, Minnesota, founded in 2023 and registered in 2026. Led by Christine Thomas, the firm provides personalized financial planning and investment management services primarily to individuals, high-net-worth individuals, and estates. Ideal Life Advisory takes a consultative approach to help clients navigate retirement planning, education planning, investment management, tax planning, risk management, and estate planning. For investment management, Ideal Life Advisory builds customized portfolios using exchange-traded funds and mutual funds based on each client's specific goals, time horizon, and risk tolerance. Portfolios are managed on a discretionary basis, meaning Ideal Life Advisory makes trades on the client's behalf without needing prior approval for each transaction. The firm operates as a fiduciary, meaning Ideal Life Advisory is legally required to act in your best interest. Ideal Life Advisory does not sell financial products, accept commissions, or receive referral fees, ensuring objective advice. Assets are held with independent qualified custodians, such as Charles Schwab.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.00% |
Standard annual fee is 1.00% of assets under management, and fees are negotiable based on relationship size, services needed, investment strategy, and trading activity. Financial planning is included at no extra charge for investment management clients.