Life's Business, Inc.

The firm provides investment management and comprehensive financial planning to individuals and businesses, including some high-net-worth clients, offering both discretionary and non-discretionary portfolio services. As a single-advisor independent RIA, it manages roughly $7.9 million in client assets for a very small client base (five clients).

Investment guidance typically emphasizes long-term allocations to broad-based funds while retaining the flexibility to use other instruments (including short sales, margin and options) when appropriate; portfolios are reviewed at least semi-annually and clients may impose investment restrictions. A notable operational feature is that a substantial portion of the firm’s assets are managed on a non-discretionary basis, so clients generally retain final trading approval rather than ceding full discretion to the adviser.

The firm is affiliated with an accounting and tax consulting practice run through a related entity, and the adviser is a licensed CPA who provides tax and business planning services outside the advisory firm—an arrangement that is uncommon among independent RIAs. It also uses sub-advisers for some client accounts and operates additional educational and niche business ventures, giving the firm a mix of investment, tax, and educational services that differs from many solo practitioners.