320 Life Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm primarily provides investment management for pooled vehicles and institutional accounts while also offering limited direct counseling to individual clients. In addition to portfolio management, it delivers financial counseling and plan‑level education through contractual engagements, including work supporting servicemembers as a Department of Defense contractor and counseling provided through Moneystack/Gamefin for individuals affected by gambling.
The firm blends investment management with a counseling and education focus, supported by an Accredited Financial Counselor (AFC®) designation and ongoing continuing education. It charges clients on hourly or annual fee arrangements rather than a typical percentage‑of‑assets model, and it produces periodicals and delivers seminars and presentations for client groups.
Compared with many investment managers, the firm’s mix of services—direct work with non‑high‑net‑worth individuals, regular educational workshops, and published newsletters—is atypical for its category. Its background in military personal financial counseling, prior 401(k) advisory experience, and operation of a nonprofit focused on family and youth education further distinguish its advisory profile.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Annual fees charged (specific amounts not disclosed)
Hourly fees charged (specific amounts not disclosed)
Fee-only: Hourly fees and annual fees (specific amounts not disclosed)
Main office
Holland MI
Advisors at this office
1
Most active in
Michigan
Also doing business as
320 Life · 320 Life Financial Consulting, LLC · 320 Life Financial Planning · 320 Life, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)