Financial Life Planners
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Financial Life Planners is an SEC-registered independent investment adviser that provides ongoing investment management and financial planning to individuals (including high‑net‑worth clients), families, trusts, corporations, and qualified retirement plans. The firm’s four-advisor team manages roughly $208 million in discretionary assets for about 298 client relationships, a client-to-advisor ratio that is higher than many peer teams.
The firm combines fundamental and technical analysis with a tactically monitored, customized portfolio approach, primarily using low‑cost mutual funds, ETFs, and individual securities while seeking tax efficiency through asset location and rebalancing. Financial Life Planners also uses third‑party platforms (Pontera for held‑away accounts and rebalancing and ShareBuilder for 401(k) services) to implement allocation and operational tasks for retirement-plan and held‑away accounts.
Notable distinctions include an affiliated insurance agency (FLP Insurance Services, LLC) and advisors who are licensed insurance agents that may recommend and sell insurance products for commissions, a relationship disclosed in the brochure. The firm also acquired the accounts of a specialist referral source (Smarter Divorce Solutions) and discloses ongoing referral/contractual arrangements, and it absorbs certain third‑party platform costs within its advisory fee—practices that clients should consider when evaluating potential conflicts of interest.
Client services
Expertise
Occupation focus
Fee options
One-time fee ranging between $1,000 and $2,500 for stand-alone financial planning services
$0 - $99,999.99: 1.5% $100,000 - $249,999.99: 1.3% $250,000 - $499,999.99: 1.2% $500,000 - $1,999,999.99: 1.0% $2,000,000+: 0.75%
$250 per hour for stand-alone financial planning services
Account minimum: $500,000
Main office
2151 E Broadway, Suite 203
Tempe AZ 85282
Advisors at this office
4
Most active in
Arizona · California · Florida · New Mexico · Oregon · Pennsylvania · Texas · Washington
Also doing business as
Financial Life Planners · Financial Life Planners 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 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.
Quick links
Advisors at this firm
Cynthia F
Series 63, Series 65, Series 66
Tempe, AZ
Financial Life Planners
Cynthia Fick is a financial advisor at Financial Life Planners with 22 years of industry experience. She holds Series 63, 65, and 66 licenses and has been with Financial Life Planners since 2003. Outside of her advisory role, she is an author and trainer for The Sisterhood of Money, a financial education program. Financial Life Planners serves individuals, families, trusts, estates, corporations, and qualified retirement plans with ongoing investment management and financial planning. The firm uses a tactical, actively monitored approach combining fundamental and technical analysis, focusing on tax efficiency and asset location.
Kelsey W
Series 65
Tempe, AZ
Financial Life Planners
Kelsey White is a financial advisor with Financial Life Planners in Tempe, AZ, holding a Series 65 designation. She has been with the firm since 2024 and previously worked in veterinary-related roles and community college administration. Financial Life Planners is an SEC-registered independent investment adviser serving individuals, families, trusts, corporations, and qualified retirement plans. The firm manages approximately $208 million in discretionary assets across about 298 client relationships, using a combination of fundamental and technical analysis to create customized, tax-efficient portfolios.
William F
Series 65
Tempe, AZ
Financial Life Planners
William Fick is a Series 65-licensed advisor at Financial Life Planners in Tempe, AZ, with one year of industry experience. Prior to joining Financial Life Planners, he held positions at Lowes Home Improvement and various other organizations. He is also involved in insurance sales through Financial Life Planners Insurance Services, LLC. Financial Life Planners serves individuals, families, trusts, estates, corporations, and qualified retirement plans, providing investment management and financial planning. The firm uses a tactical and actively monitored investment approach, combining fundamental and technical analysis within an asset-allocation framework.
Gina W
Series 63, Series 65
Tempe, AZ
Financial Life Planners
Gina Wight is a financial advisor with Financial Life Planners, holding Series 63 and Series 65 licenses and 19 years of industry experience. Her prior roles include positions at Morgan Stanley and Waddell & Reed. She is also an active insurance producer in Scottsdale, Arizona. Financial Life Planners is an SEC-registered independent investment adviser serving individuals, families, trusts, corporations, and qualified retirement plans. The firm employs a customized portfolio approach combining fundamental and technical analysis, focusing on tax efficiency and utilizing low-cost mutual funds, ETFs, and individual securities.
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