Lifetime Capital Planning Group LLC

Lifetime Capital Planning Group serves individual and high‑net‑worth clients, providing discretionary asset management, comprehensive financial planning (one‑time, ad‑hoc and ongoing) and portfolio management for held‑away retirement plan accounts. The firm reports roughly 71 client relationships and manages about $85 million in client assets across discretionary and non‑discretionary accounts.

Portfolios are managed according to each client’s objectives, time horizon and risk tolerance using fundamental and cyclical analysis, and the firm may engage sub‑advisors to implement agreed models and execute trades. Financial planning offerings are modular and detailed, addressing areas such as Social Security maximization, tax‑efficient asset positioning, sequence‑of‑withdrawal strategies, lifetime income planning and ongoing plan monitoring.

Noteworthy features include regular public seminars and workshops offered for education rather than sales, and use of a third‑party platform to review and rebalance held‑away defined contribution accounts without the firm taking custody. The brochure also discloses that a principal maintains an independent insurance practice and that a substantial portion of that principal’s compensation is derived from insurance‑related external compensation, with disclosures and procedures in place to address the resulting conflicts.