A complete list of active advisors currently associated with Life Advisors Financial Planning and Wealth Management, LLC

Warmer can help you find a great advisor at Life Advisors Financial Planning and Wealth Management, LLC or one who fits your needs even better.

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.

To learn more about the advisors currently working at Life Advisors Financial Planning and Wealth Management, LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Synthia Durham	Munfordville, KY	17
Clifford Fowler Jr.	Munfordville, KY	16

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