Lifecare Retirement Solutions Inc.

The firm is a small, independent advisory practice serving individual clients with retirement-focused financial planning and consulting. Services include comprehensive planning topics such as retirement income, Social Security, estate and tax considerations, long-term care and Medicare/Medicaid planning, and assistance completing plan documentation; the firm does not act as a custodian for client assets.

LifeCare delivers written financial plans within an established timeframe and is compensated for planning on an hourly or fixed-fee basis; when ongoing investment management is appropriate, the firm refers clients to third‑party money managers, monitors those managers’ performance, and acts as a liaison between clients and the managers. Clients who use third‑party managers are billed and custodied through those managers and custodians rather than through the firm, and LifeCare receives a portion of the TPMs’ advisory fees as disclosed to clients.

Distinctive features include that the firm’s principal also operates as a licensed insurance agent and dedicates roughly half of his professional time to insurance activities, receiving commissions for insurance sales, which creates an identified conflict of interest disclosed in the brochure. The firm also does not directly manage client portfolios or charge percentage‑of‑assets fees itself (it relies on TPM arrangements) and reports additional outside-business activity—ownership of a crayfish hatchery—that is disclosed as not being solicited to clients.