Broker Check


Q: How often will we meet? 

We will talk with you as often as necessary to understand your personal situation and to determine where you are now and where you want to go.

Once the initial plan is complete, you choose how often we meet. We will send you a postcard and an email reminder to schedule your review appointment. You can change the interval whenever you wish. We can do web meetings and phone conferences as well as in-person meetings.

Q: Do you specialize in any areas?

Absolutely. As part of our "Personal Financial Advisor" services we specialize in helping women and business owners develop their best strategy for creating a sustainable retirement. If they have children, we work to ensure they do not harm their retirement when paying for college. We have experience working with the financial aid process and helping find creative ways to fund college.

We also have considerable experience helping adult children and senior adults manage financial resources and protect elders from theft. If you are managing investments for a senior adult you love, let us share how we can make it easier.

Q: How much money must I invest with you?

It’s a question we get asked at all the time!

However, many people have limited time and money to start investing. And it is so important to start growing your assets.

LifePlan Financial Advisors offers $ymbil, a software solution designed to manage smaller accounts. This hybrid online investment management platform ($ymbil)  allows us to better serve investors who are just getting started. You can open an account with as little as $500.

$ymbil account features include:

  • An online measurement of your risk tolerance
  • The choice of $ymbil’s proprietary asset allocation models, based on customized risk and return objectives
  • Portfolio monitoring and automatic rebalancing
  • Self-service ability to move money in and out between your bank and your investment account
  • Online statements and trade confirmations as well as a sleek and easy-to-use online portal
  • Online reports and statements so you can see just how your account is doing whenever you wish

Whether you’re ready to move over that online brokerage account, open and begin contributing to a Roth IRA or start saving and investing for the first time, $ymbil can help you get rolling.

Open a $ymbil Account Now

$ymbil Client Fact Card

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Q: What type of investments do you utilize in your asset management approach?

Our clients may use a diversified portfolio of individual stocks, bonds, mutual funds, alternative investments or exchange traded funds (ETFs). For non-retirement accounts, tax-managed portfolios are provided to minimize tax liability. We do our best to keep internal expenses to a minimum on all of your accounts.

Markets will go up and down, and no one can control that. But, we can help you choose investment strategies that fit your ability to tolerate risk and are designed to help you reach your financial goals. 

We may recommend that you use mutual funds, annuities, separately managed accounts of stocks and bonds, or portfolios of mutual funds and EFTs – whichever is most suitable for you. We keep an open mind about what a client’s investment selections should look like. Your portfolio should be a good match for you and help you accomplish your goals.

Q: Are you a Fiduciary?

Yes, as Registered Investment Advisors, we are held to a fiduciary standard. However, as a matter of personal integrity and by our own choice, our commitment has always been to do what is in our client’s best interest, first and foremost.

Q: How are you compensated? 

Our “Personal Financial Advisor” service costs $1,500 to $5,000, depending on the scope of the project, such as Retirement Planning Projections or a comprehensive Personal Financial Plan. Contact us directly for planning needs for small businesses.

Our Asset Management service fee ranges from 1.00% to .75% of the assets under our management and includes our ongoing personal financial planning and advice.

We also can provide advice on a monthly subscription basis for as little as $50 per month for clients who need advice but do not have substantial investment accounts.