LifeCare Funding Solutions, LLC

The firm works with individuals (including high‑net‑worth clients) and corporate or business‑entity clients. It offers written financial planning, portfolio management, and the selection and monitoring of third‑party investment advisers, and it makes managed portfolios available through Betterment Securities.

Its stated investment approach begins with individualized asset allocation and applies Modern Portfolio Theory, with an emphasis on value, safety, quality and risk control; recommended holdings typically include mutual funds, ETFs and cash equivalents, with occasional use of bonds, equities or alternative investments. Portfolio management is provided on a non‑discretionary basis, and when third‑party advisers are recommended the firm enters solicitor arrangements and maintains ongoing oversight of those relationships.

Distinctive features disclosed in the brochure include that the firm’s adviser(s) are also licensed independent insurance agents and provide business‑expense remediation services for which they receive commissions, and that the firm shares in a portion of third‑party advisers’ fees—conflicts the brochure describes and discloses. The firm also relies on Betterment Institutional/Betterment Securities for custody and practice‑support services (from which it receives non‑economic benefits), and as of the firm’s 2018 filing it reported no assets under management, all of which differentiate it from many independent advisers.