David Mathias, CFP®, RICP®, MSBA, is a CERTIFIED FINANCIAL PLANNER™ and Retirement Income Certified Professional® based in Cloverdale, CA. With over a decade of experience in banking and finance, he specializes in retirement planning, retirement income strategies, and tax-efficient investing for clients across the country, with deep roots serving families throughout Sonoma and Mendocino Counties and the broader North Bay Area. David's background in philosophy shapes how he approaches every financial conversation: with patience, careful listening and a commitment to getting to the real question. He holds a BA from Lindenwood University (2013, Magna Cum Laude), where he served as Student Body President and competed on the National Championship shooting team. He also holds an MS in Business Administration specializing in Financial and Tax Planning from San Diego State University, where he graduated top of his program in 2022. David lives just over an hour north of San Francisco in Northern California's wine country with his wife, Claudia, and their three sons, Benjamin, Levi, and Noah. When he's not with clients, you'll find him enjoying Sonoma's vineyards and Mendocino's rugged coastline and redwoods with his family. Who I Work With I work with individuals and families at every stage of the retirement journey — from those beginning to plan in their 50s and 60s, to those already retired and focused on making their money last. Most of my clients are navigating questions like: When should I retire, and will I have enough? How do I turn savings into reliable monthly income? When is the best time to claim Social Security? How do I reduce what I'm paying in taxes in retirement? What happens to my finances if something happens to me? Areas of Focus Retirement Income Planning Social Security Timing & Optimization Tax-Efficient Withdrawal Strategies Investment Management Retirement Transition Planning

Brian Field is a financial advisor with Lifetime Financial Advisors Inc in Encinitas, CA, holding Series 63 and Series 66 licenses and over 25 years of industry experience. He has been with Lifetime Financial Advisors since 2014 and also maintains an affiliation with LPL Financial since 2012. Outside of his advisory role, he is involved with Policy Genius and North American Company in non-variable insurance activities. 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. The firm delivers non-discretionary plans without managing client assets and typically favors mutual funds selected for manager tenure, risk management, and transparency.

Steven Van Houten is a CFP® with 45 years of industry experience, currently serving as the sole advisor at Lifetime Financial Advisors Inc. He has been with Lifetime Financial Advisors since 2002 and previously worked with LPL Financial starting in 1992. Van Houten also offers non-variable insurance products to his clients. 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. The firm delivers non-discretionary advice without maintaining custody of client assets and typically favors mutual funds selected for manager tenure, risk management, and transparency.

Zoran Selakovic is a financial advisor at Lifetime Financial Advisors Inc with 18 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial, LLC since 2008 and at Lifetime Financial Advisors since 2021. Outside of his advisory role, he serves as the Treasurer and a board member of the nonprofit organization YACHTAID GLOBAL. 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. The firm focuses on non-discretionary planning without custody of client assets, commonly favoring mutual funds chosen for manager tenure, risk management, and transparency, and often charges fees based on hourly, flat, or retainer arrangements rather than a percentage of assets.

Luke Van Houten is a CFP®-certified financial advisor with 10 years of industry experience. He is affiliated with Lifetime Financial Advisors Inc and has worked previously at Putnam Investments LLC and LPL Financial. He is also licensed as a non-variable insurance agent. Lifetime Financial Advisors provides personalized financial planning and written investment recommendations for individuals, trusts, estates, charitable organizations, corporations, and retirement plan participants. The firm delivers non-discretionary advice focused on retirement, tax, estate, insurance, and college funding needs, often recommending mutual funds selected for manager tenure, risk management, and transparency.