Finances for Life, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Finances for Life, LLC is a small independent registered investment adviser serving individuals, high‑net‑worth clients, trusts, retirement plans, and other entities with investment management, financial planning (including modular "What's Working Analysis," Wealth Planning, and Legacy Planning), wealth management, and consulting services. As of February 2026 the firm reports roughly $793,200 in regulatory assets under management (all on a non‑discretionary basis) and additional assets under advisement associated with its planning and consulting engagements.
The firm operates primarily on a non‑discretionary model, developing client‑specific Investment Policy Statements, using a limited power of attorney to implement client‑approved trades, and applying a mix of fundamental, asset‑allocation, and technical analysis with a generally long‑term orientation. Clients receive regular custodian statements, quarterly reviews, and secure online access, and retain final authority over implementation of recommendations.
Distinctive features include an affiliated insurance business licensed to sell life, health, disability, and long‑term care insurance, with the firm disclosing that advisory representatives may receive customary commissions on insurance sales and providing advance disclosure to clients to address potential conflicts. The firm also does not aggregate client trades and operates with a very small client base and modest AUM, practices that can affect trade execution economics and how conflicts and disclosures are handled compared with larger peers.
Client services
Expertise
Fee options
Fixed fees for financial planning services starting at $1,500 (What's Working Analysis) and up to $10,000; fixed fees for Wealth Planning and Legacy Planning starting at $4,500.
$300,000 - $499,999: 1.90% annually $500,000 - $1,499,999: 1.50% annually $1,500,000+: 0.50% annually
$295 per hour for consulting services
AdviceDirect fixed monthly retainer service with three-tiered fixed pricing (specific amounts not detailed).
Account minimum: $300,000 Minimum fee: Minimum annual fee of $5,700, billed monthly at $475 per month for asset management services Fee-only: Fixed fees for Investment Advisement (negotiable, no minimum AUM required) and What's Working Analysis starting at $1,500; Wealth Planning and Legacy Planning starting at $4,500; consulting services at $295/hour or fixed fees up to $10,000.
Main office
5857 Owens Avenue, Suite 300
Carlsbad CA 92008
Advisors at this office
1
Most active in
California
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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