Financial Essentials 4 Life, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Financial Essentials 4 Life serves individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses with personalized financial planning and investment management, covering areas such as cash flow, retirement, college funding and estate planning. The firm also provides insurance and annuity products and facilitates estate‑planning coordination through a third‑party platform while assisting clients with implementation and account rebalancing.
The firm’s investment approach emphasizes tactical asset allocation with global diversification, an emphasis on non‑correlation and periodic rebalancing, and the use of equities, ETFs, mutual funds, fixed‑income securities, annuities and alternative investments as appropriate. Clients may be offered discretionary portfolio management or stand‑alone financial plans, and the adviser employs charting, fundamental and technical analysis and ongoing reviews; custody and trade execution are arranged through independent custodians such as Charles Schwab & Co.
What distinguishes the firm from many peers is its affiliation with a broker‑dealer (Innovation Partners) and the fact that its representatives are registered to sell securities and to receive commissions and trail compensation, in addition to being licensed to sell life and health insurance—arrangements the brochure identifies as potential conflicts of interest. The firm also facilitates estate‑planning services through the Snug platform and retains compensation from that relationship, and it is a recently formed solo practice that currently reports no regulatory assets under management.
Client services
Expertise
Fee options
Approximately $500 fixed fee for estate planning trust package services facilitated through Snug.
1.00% annually
Clients may pay commissions for securities transactions; advisory fees are not charged in addition to commissions.
Main office
Cerritos CA
Advisors at this office
1
Most active in
California
Also doing business as
Financial Essentials 4 Life, Inc. · Victor Clement
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.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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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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