Life Advisors Financial Planning and Wealth Management, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Life Advisors provides investment management, financial planning and participant‑directed retirement plan advisory to individuals, qualified retirement plans, trusts, charitable organizations and small businesses. The firm operates with a two‑adviser team and manages roughly $14.8 million across about 88 client relationships, offering portfolio management and written financial plans.
The firm’s investment approach is rooted in Modern Portfolio Theory and favors a buy‑and‑hold, asset‑class orientation implemented mainly through low‑cost mutual funds and active ETFs (not indexed ETFs), with Dimensional Fund Advisors funds used prominently; individual fixed‑income securities or select equities are used when tax or client‑specific considerations warrant. Life Advisors develops written investment policy statements, uses Monte Carlo analysis for planning projections, continuously monitors accounts and performs formal reviews at least quarterly.
Distinctive operational and personnel features include both principals’ CPA and Personal Financial Specialist (PFS) credentials and an affiliated accounting firm (Fowler Durham), which the brochure discloses as related to ownership and collection of receivables. The firm also provides bill‑paying services (resulting in custody treatment), participates in the Schwab Advisor Services platform for custody and operational support, generally does not aggregate mutual fund trades or accept proxy‑voting authority, and notes that one adviser maintains part‑time outside employment.
Client services
Expertise
Fee options
Typically ranges from $500 to $7,500 depending on client circumstances
$0 - $50,000: 2% $50,001 - $250,000: 1.25% $250,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.90% $2,000,001 - $3,000,000: 0.80% $3,000,001 - $4,000,000: 0.70% $4,000,001 - $5,000,000: 0.60% $5,000,001 - $10,000,000: 0.50% $10,000,001+: 0.40%
$125 to $225 per hour depending on nature and complexity
Fee-only: Hourly fees ranging from $125 to $225 per hour; Fixed fees ranging from $500 to $7,500 depending on client circumstances
Main office
110 East Union Street
Munfordville KY 42765
Advisors at this office
2
Most active in
Kentucky
Also doing business as
Life Advisors Financial Planning And Wealth Management, LLC · Life Advisors Financial Planning And Wealth Management, 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:
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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
Advisors at this firm
Clifford F
PFS™
Munfordville, KY
Life Advisors Financial Planning and Wealth Management, LLC
Clifford Fowler is a Personal Financial Specialist (PFS™) with 16 years of experience at Life Advisors Financial Planning and Wealth Management, LLC. He is also a certified public accountant and managing partner at Fowler Durham CPAs & Advisors, PLLC, where he has been involved since 2002, currently serving in a part-time administrative capacity. Additionally, he manages Green River Accounting & Tax Solutions, a tax preparation firm. Life Advisors Financial Planning and Wealth Management is a small, two-advisor supported firm serving individuals, qualified retirement plans, trusts, charitable organizations, corporations, and small businesses. The firm employs a buy-and-hold investment approach grounded in Modern Portfolio Theory, focusing on strategic asset allocation with portfolios primarily composed of low-cost mutual funds and active ETFs.
Synthia D
PFS™, Series 65
Munfordville, KY
Life Advisors Financial Planning and Wealth Management, LLC
Synthia Durham is a financial advisor at Life Advisors Financial Planning and Wealth Management, LLC with 17 years of industry experience. She holds the PFS™ and Series 65 credentials and has worked in accounting and financial planning since 2002. In addition to her advisory role, she manages Hart County Hardwoods, a manufacturing business where she serves as an accountant. Life Advisors Financial Planning and Wealth Management is a small firm serving individuals, retirement plans, trusts, charitable organizations, corporations, and small businesses. The firm employs a buy-and-hold investment approach based on Modern Portfolio Theory, utilizing primarily low-cost mutual funds and active ETFs, with portfolios documented by written investment policies and regularly reviewed.
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