Life by Design Investment Advisory Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Life By Design Investment Advisory Services provides investment management and financial planning to individual and high‑net‑worth clients, delivering ongoing portfolio management alongside one‑time and hourly planning, tax‑preparation coordination, estate‑document preparation through a third‑party vendor, and oversight of held‑away accounts. Clients receive individualized investment policy statements and retirement‑focused planning as part of the engagement.
The firm primarily emphasizes passive portfolio construction guided by modern portfolio theory while also drawing on fundamental, technical, and quantitative analysis to inform security and asset‑class selection; portfolios are organized around defined retirement allocation categories and incorporate ESG filtering. Planning is goals‑based and delivered through a multi‑year Four‑Core process that integrates customized policy statements and ongoing monitoring.
Noteworthy aspects that distinguish the firm from many peers include its use of client testimonials in advertising, a practice that is uncommon among similar advisers, and the fact that the firm’s principal is a licensed insurance agent who may receive commissions for insurance product recommendations—a disclosed potential conflict of interest. The principal also holds a Certified Kingdom Advisor designation and has published a book on goal‑centered planning, and the firm supplements core advisory work with third‑party estate‑document services and held‑away account supervision.
Client services
Expertise
Fee options
One Time Financial Planning Fixed Fee ranging from $6,000 to $25,000, negotiable
$0 - $500,000: 2.00% $500,001 - $1,000,000: 1.75% $1,000,001 - $2,000,000: 1.50% $2,000,001 - $5,000,000: 1.25% $5,000,001 - And Up: 1.00%
Financial Planning hourly rate up to $500 per hour; Tax Preparation & Tax Planning fees $250 per hour
Fee-only: Ongoing Financial Planning annual fee $6,000 to $25,000, paid monthly or quarterly in advance; negotiable in some cases
Main office
34179 Golden Lantern, Suite 101 E
Dana Point CA 92629
Advisors at this office
1
Most active in
California
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:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")