Finances for Life, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$793,200
Clients
6
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
6
Very LowAverage account size
$132,200
About
Finances for Life, LLC is a small independent registered investment adviser serving individuals, high‑net‑worth clients, trusts, retirement plans, and other entities with investment management, financial planning (including modular "What's Working Analysis," Wealth Planning, and Legacy Planning), wealth management, and consulting services. As of February 2026 the firm reports roughly $793,200 in regulatory assets under management (all on a non‑discretionary basis) and additional assets under advisement associated with its planning and consulting engagements.
The firm operates primarily on a non‑discretionary model, developing client‑specific Investment Policy Statements, using a limited power of attorney to implement client‑approved trades, and applying a mix of fundamental, asset‑allocation, and technical analysis with a generally long‑term orientation. Clients receive regular custodian statements, quarterly reviews, and secure online access, and retain final authority over implementation of recommendations.
Distinctive features include an affiliated insurance business licensed to sell life, health, disability, and long‑term care insurance, with the firm disclosing that advisory representatives may receive customary commissions on insurance sales and providing advance disclosure to clients to address potential conflicts. The firm also does not aggregate client trades and operates with a very small client base and modest AUM, practices that can affect trade execution economics and how conflicts and disclosures are handled compared with larger peers.
Client services
Financial planning
Portfolio management
Consulting
Expertise
General retirement planning
Retirement income strategy
Wealth management
Cash flow / budgeting
Fee options
Fixed fees for financial planning services starting at $1,500 (What's Working Analysis) and up to $10,000; fixed fees for Wealth Planning and Legacy Planning starting at $4,500.
$300,000 - $499,999: 1.90% annually $500,000 - $1,499,999: 1.50% annually $1,500,000+: 0.50% annually
$295 per hour for consulting services
AdviceDirect fixed monthly retainer service with three-tiered fixed pricing (specific amounts not detailed).
Account minimum: $300,000 Minimum fee: Minimum annual fee of $5,700, billed monthly at $475 per month for asset management services Fee-only: Fixed fees for Investment Advisement (negotiable, no minimum AUM required) and What's Working Analysis starting at $1,500; Wealth Planning and Legacy Planning starting at $4,500; consulting services at $295/hour or fixed fees up to $10,000.
Main office location
Finances for Life, LLC
5857 Owens Avenue, Suite 300
Carlsbad CA 92008, United States
Number of offices
1
Most active in
Finances for Life, LLC has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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