Financial Lifestyle Management

Financial Lifestyle Management provides fee‑only financial planning and discretionary portfolio management to individuals and families, as well as trusts, estates, business entities and charitable organizations. The firm operates as a fiduciary, implements accounts custodied at Charles Schwab, and offers planning engagements on a fixed‑fee, hourly or retainer basis.

The investment process begins with a goals‑based review and conversion of client objectives into a written Investment Policy Statement; portfolios blend active and passive strategies and are invested primarily in no‑load, low‑cost mutual funds and ETFs, with allocations to equities, fixed income, REITs and, selectively, structured notes when appropriate. FLM treats cash as an asset class, emphasizes tax‑aware implementation (including coordination with clients’ CPAs and handling of required minimum distributions and qualified charitable distributions), and provides ongoing discretionary supervision with quarterly performance reporting.

What is relatively distinctive for a firm of this size is the explicit inclusion of charitable organizations among its client types and the operational support for charitable distributions and RMD handling, a service element that fewer independent peers offer. The firm also provides limited tax‑preparation services to a small number of clients and will consider allocations to less liquid or structured investments—each subject to client suitability, written direction, and prior discussion.