Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
25
0% high-net worth
Total advisors
5
of 14 employees
Firm size
Investment Manager
May not manage individual clients
Average clients per advisor
5
Average account size
$0
Lifetime Financial Advisors provides personalized financial planning and written investment recommendations for individuals, trusts, estates, charitable organizations, corporations and participants in employer-sponsored retirement plans (Participant Retirement Program). The firm does not maintain custody of client assets and does not manage client accounts on a discretionary basis, instead delivering written plans and recommendations for clients to implement.
LFA’s process begins with interviews and detailed questionnaires to produce a written financial plan addressing retirement, tax, estate, insurance and college funding needs, and it typically favors mutual funds—often flexible-objective funds—selected for manager tenure, risk management and transparency. Unlike many investment-manager firms, LFA commonly bills for advice on an hourly, flat or retainer basis rather than charging fees based on a percentage of client assets.
A noteworthy feature disclosed in the brochure is that certain associated persons are licensed insurance agents and registered representatives who may implement plan recommendations through broker/dealers and insurance products, generating commissions or advisory relationships through those channels. Combined with LFA’s emphasis on non-discretionary planning and Participant Retirement Program recommendations, these arrangements and fee practices distinguish its business model from many peers in the investment-manager category.
Associated persons who are registered representatives may receive normal and customary commissions for securities transactions
Standard hourly rate of $250; hourly fees from $50 to $250 for special projects
Annual retainer fee of $500 - $5,000 per year, billed monthly
Fee-only: Hourly fees ranging from $50 to $250 per hour; Financial Planning fees from $2,500 to $25,000; Annual retainer fees from $500 to $5,000 per year charged monthly; Participant Retirement Program flat fees from $150 to $500
Lifetime Financial Advisors Inc
2210 Encinitas Blvd Ste C
Encinitas CA 92024-4359, United States
Number of offices
1
California · Texas
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is not active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Series 63, Series 66
Encinitas, CA
Lifetime Financial Advisors Inc
CFP®, Series 63
Encinitas, CA
Lifetime Financial Advisors Inc
CFP®, Series 66
Cloverdale, CA
Lifetime Financial Advisors Inc
Series 66
Encinitas, CA
Lifetime Financial Advisors Inc
CFP®, Series 63, Series 65
Encinitas, CA
Lifetime Financial Advisors Inc
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