Lifelong Investment Management Services LLC

Lifelong Investment Management Services provides investment management, personalized financial planning, investor coaching and solicitation of third‑party money managers to individuals, retirement plans, trusts, small businesses and charitable organizations. Consistent with many independent advisers, the firm charges fees based on assets under management and also offers hourly and fixed‑fee planning and workshop‑based services.

The firm describes an institutional, passive‑oriented investment approach that emphasizes broad diversification, factor exposures (market, size, valuation, maturity and credit) and use of no‑load institutional mutual funds or other passive vehicles; it does not engage in market timing. Client portfolios are implemented via written investment policy statements, reviewed periodically (typically quarterly), and the firm generally operates on a non‑discretionary basis, obtaining client approval before executing trades.

Noteworthy features disclosed in the brochure include a past state registration lapse that resulted in a $500 penalty and refunds to affected clients for unregistered advisory activity, and an active investor‑education program that offers a complimentary initial consultation, a free Investor Coaching Series (noted as 4–12 workshops annually) as well as low‑cost special workshops. The firm also discloses the use of third‑party money managers with co‑advisor fees and an affiliated insurance practice that generates roughly 10% of its revenue, each of which are identified as potential conflicts and are disclosed to clients.