Lifetime Financial Foundations, LLC

Lifetime Financial Foundations LLC is a state-registered advisory firm that provides discretionary (and occasionally non-discretionary) investment management and financial planning to individuals, high-net-worth individuals, trusts, estates, and businesses. Portfolios are typically constructed from mutual funds, ETFs, individual equities, and fixed-income securities, and the firm may recommend unaffiliated independent managers for portions of client assets.

The firm emphasizes a customized, fiduciary-driven process that blends fundamental analysis with proprietary and technical strategies to set strategic asset allocations and long-term portfolios, while permitting shorter-term trading when client objectives or market conditions warrant. Lifetime serves as the primary relationship manager and provides ongoing oversight of any Independent Managers it recommends; client assets are held with qualified custodians and Lifetime does not accept or maintain direct custody of client funds and securities.

Noteworthy characteristics include the firm’s offering of free educational seminars and workshops, a service not commonly provided by solo independent advisers, and the principal’s atypical background in K‑12 educational leadership (Ed.D.) with experience managing large public-school budgets. The brochure also discloses use of standing letters of authorization and fee-authorized deductions — reporting 264 accounts subject to SLOAs with $36.25M as of December 31, 2025 — an arrangement clients may want to review when considering the firm.