Lifetime Financial

Lifetime Financial provides investment advisory and wealth management services to individuals and a range of institutional clients, including pension and profit‑sharing plans, trusts, estates, charitable organizations, and business entities. The firm manages discretionary portfolios that typically include exchange‑traded funds, no‑load mutual funds, and individual securities and reports roughly $37.9 million in discretionary assets under management.

The firm’s process begins with a review of clients’ goals, risk tolerance, and existing holdings to recommend asset and investment allocations, and it generally expects a $250,000 minimum for new client relationships (waivable at the adviser’s discretion). Lifetime Financial employs multiple analysis methods—fundamental, technical, charting, cyclical and seasonal analysis—and implements strategies ranging from long‑term buy‑and‑hold to short‑term trading, margin, short sales, and option writing, operating with discretionary trading authority.

Distinctive features in the brochure include an explicit absence of high‑net‑worth individuals on the client list, indicating a primary focus on non‑HNW individual clients and smaller institutional accounts compared with many peers. The adviser is fee‑only on an AUM basis, uses Fidelity Institutional for custody and access to institutional trading services, and documents adherence to a cybersecurity checklist from the North American Securities Association.