Your-Financial-Lifeguard

Your-Financial-Lifeguard is a small, independent single-advisor firm that serves a limited roster of individuals, high‑net‑worth clients, pensions and business entities. The firm provides modular financial planning, access to third‑party investment management (including the Betterment platform), and retirement-plan advisory and participant‑education services for employers.

The firm’s investment work is grounded in fundamental analysis and asset‑allocation principles (stated as Modern Portfolio Theory) and is implemented primarily through mutual funds and ETFs via third‑party managers who execute trades and hold custody. Financial planning is offered on hourly or fixed‑fee terms, plans are based on client‑provided information, and accounts are reviewed periodically with reporting provided by custodians and the third‑party managers.

Notably, the adviser is affiliated with an accounting practice and the principal holds CPA/PFS credentials, with the brochure disclosing that roughly one‑fifth of business time is devoted to accounting services through the affiliate. The firm also emphasizes direct retirement‑plan advisory work and referral to outsourced asset managers rather than managing assets internally, which, together with its small, mostly institutional and HNW client base, differentiates it from many independent peers that focus on mass‑market individual clients and in‑house asset management.