Lifecycle Financial Planners Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$662,479,954
Clients
169
Advisors
4
of 9 employees
About
Lifecycle Financial Planners is a fee-only advisory firm that serves individuals, families, small businesses, trusts, estates and charitable organizations, managing roughly $672 million for about 169 clients through a four-advisor team. The firm provides comprehensive financial life planning and ongoing investment advisory services, including portfolio management, tax planning and, in some engagements, tax return preparation and audit representation.
The firm uses a holistic, client-centric financial life planning process and applies Functional Asset Allocation and modern portfolio theory to tailor Investment Policy Statements to each client's life stage, goals and behavioral considerations. Lifecycle generally manages client assets directly under discretionary or non-discretionary arrangements and discloses that it may utilize a third‑party sub‑advisor/back‑office provider (AssetDedication LLC) for some accounts.
Compared with many peers, Lifecycle’s business model emphasizes fixed retainer arrangements rather than charging percentage‑of‑AUM fees and it does not accept commissions or product sales. It also has a principal who maintains a licensed legal practice and routinely offers intergenerational programs (separate retainers for younger and older family members) and limited, issue‑specific retainers, features that are uncommon among similar team advisory firms.
Client services
Expertise
Occupation focus
Fee options
Fee-only: Fixed annual fees ranging from $1,850 to $200,000 depending on service type and client complexity
Main office
40950 Woodward Ave Ste 140
Bloomfield Hills MI 48304
Advisors at this office
4
Most active in
California · Florida · Louisiana · Michigan · North Carolina · Texas
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:
Lawyer
They provide legal services, typically billed separately.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Jennifer K
Series 66
Bloomfield Hills, MI
Lifecycle Financial Planners Inc.
Jennifer Kulek is a financial advisor at Lifecycle Financial Planners Inc. in Bloomfield Hills, MI, with 15 years of industry experience. She holds the Series 66 designation and has worked at Lifecycle Financial Planners since 2018, previously spending a year at Cambridge Connection Inc. Lifecycle Financial Planners serves individuals, families, small businesses, trusts, estates, and charitable organizations with comprehensive financial life planning and investment advisory services on a fee-only retainer basis. The firm employs a holistic, client-centered process that incorporates Functional Asset Allocation and modern portfolio theory to align portfolios with clients’ life stages.
Scott S
CFP®, Series 63, Series 65
Bloomfield Hills, MI
Lifecycle Financial Planners Inc.
Scott Smith is a CFP® professional with 10 years of industry experience, currently serving at Lifecycle Financial Planners Inc. since 2018. He previously worked at Olympia Ridge, LLC, where he was Principal and Senior Advisor, and provides consulting advice to other fee-only financial planners and advisors. Lifecycle Financial Planners is a fee-only advisory firm serving individuals, families, small businesses, trusts, estates, and charitable organizations. The firm employs a holistic, client-centric financial life planning process and applies Functional Asset Allocation and modern portfolio theory to create tailored investment strategies.
Pamela L
CFP®
Bloomfield Hills, MI
Lifecycle Financial Planners Inc.
Pamela Landy is a CFP® professional with 16 years of experience in financial advising. She has worked at Lifecycle Financial Planners Inc. since 2017 and previously spent 15 years at Cambridge Connection, Inc. She is based in Bloomfield Hills, MI. Lifecycle Financial Planners is a fee-only advisory firm that serves individuals, families, small businesses, trusts, estates, and charitable organizations. The firm employs a holistic financial life planning process and applies Functional Asset Allocation alongside modern portfolio theory to tailor investment strategies according to each client’s life stage and goals.
Melissa S
CFP®
Bloomfield Hills, MI
Lifecycle Financial Planners Inc.
Melissa Scenga is a CFP® professional at Lifecycle Financial Planners Inc. in Bloomfield Hills, MI, with 10 years of industry experience. She previously worked at Cambridge Connection, Inc. from 2009 to 2017 before joining her current firm in 2017. Lifecycle Financial Planners serves individuals, families, small businesses, trusts, estates, and charitable organizations with comprehensive financial life planning and investment advisory services on a fee-only retainer basis. The firm employs a holistic, client-centered process incorporating Functional Asset Allocation and modern portfolio theory, and offers tailored engagement structures including intergenerational and transition-focused retainers.
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