Funded Life Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Funded Life Financial, LLC is a registered, fee‑only investment adviser that offers financial planning and discretionary investment management to individuals and high‑net‑worth clients. The firm’s brochure also discloses seminars and speaking engagements on financial topics and the practice of recommending third‑party professionals when appropriate.
FLF describes a primarily passive, asset‑allocation approach that uses index mutual funds and ETFs and seeks to align portfolio allocations with clients’ stated objectives and risk tolerance. The firm may implement strategies through outside managers and model portfolios—including participation in Altruist’s Model Marketplace—and typically maintains discretionary authority and ongoing monitoring of accounts and any recommended sub‑advisors.
Distinctive features noted in the brochure that are uncommon for firms in this category include a formal seminar/speaking program and an explicit process for selecting or recommending outside managers and third‑party model portfolios. The brochure also discloses that the firm was established in 2023 and reported $0 in discretionary assets under management and no client accounts as of December 31, 2025, while relying on a custodial relationship with Altruist for execution and model access.
Client services
Expertise
Demographic focus
Fee options
Ongoing comprehensive financial planning fees range from $500 to $3,000 annually; For assets below $500,000, flat annual planning fee of $6,000 (Individuals), $8,000 (Couples), or $10,000 (Families).
$0 - $500,000: 2.00% $500,001 - $1,000,000: 1.00% $1,000,001 - $1,500,000: 0.75% $1,500,001 - $2,000,000: 0.50% $2,000,001 - $3,000,000: 0.40% $3,000,001 - $5,000,000: 0.25% $5,000,001+: 0.20%
Fee-only: Flat annual fee ranging from $500 to $3,000 for ongoing comprehensive financial planning; Flat annual fee of $6,000 (Individuals), $8,000 (Couples), or $10,000 (Families) for assets below $500,000 with 5% increase every other year if assets remain below $500,000; Investment management fee waived for clients with ongoing financial planning and less than $500,000 AUM.
Main office
Chicago IL
Advisors at this office
1
Most active in
Illinois
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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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