LifePlan Financial, LLC

LifePlan Financial, LLC serves individuals across a range of wealth levels as well as trusts, estates, retirement plans, charitable organizations, and corporations, offering discretionary portfolio management alongside financial planning, estate planning, and consulting services. The firm implements client strategies through institutional custody and execution platforms and places trades for variable annuity holdings through the issuing insurance companies.

The investment approach is a multiple-strategy, value-oriented process that uses model portfolios with a core-and-satellite structure—an S&P 500–modeled core with satellite positions chosen for value, momentum, and macro considerations—and a laddered fixed-income allocation to manage duration and interest-rate risk. Client risk tolerance is assessed using industry-standard tools and accounts are typically managed on a discretionary basis; the firm states a policy excluding investments in digital assets.

Noteworthy aspects include a proprietary estate-planning process and an “Estate Planning Organizer” that compiles an asset inventory, legal document copies, and vital family information into a personalized binder, and the firm provides hands-on estate and trust administration support when needed. The adviser operates with a small, long-established advisory team (founded in 2005), participates in an institutional custody program that provides execution and practice-management benefits, and maintains separate custody arrangements for variable annuity assets.