Mc Kinney, TX Office

Life, Inc. Retirement Services provides ongoing portfolio management, financial planning, and pension/401(k) consulting to individuals and employee benefit plans, including plan design, fund selection, participant education, and optional third-party administration and 3(21)/3(28) services. The firm serves retail clients rather than high‑net‑worth individuals and reports about $91.6 million in total AUM across 89 clients.

The firm documents client objectives with an Investment Policy Statement and employs fundamental and quantitative analysis, modern portfolio theory, and a long‑term trading approach. Life, Inc. manages both discretionary and non‑discretionary accounts but reports the bulk of assets as non‑discretionary ($72.8M non‑discretionary vs. $18.7M discretionary as of March 2026), and it requires clients to use specified custodians such as Betterment, Interactive Brokers, SEI (and references Orion solutions).

Compared with many team firms, Life, Inc. combines retirement plan consulting with advisors who are licensed to sell insurance and who may receive insurance‑related compensation, a potential source of conflict noted in the brochure. The firm also manages all assets in‑house rather than selecting third‑party managers, sets fixed fees for pension plan design work ( disclosed up to $75,000), and does not aggregate block trades across client accounts, which are operational features that may differ from peers.