Williamston, SC Office

LifeTyme Financial Advisors operates as a co-advisor to clients on the Matson Money platform and provides retirement-plan advisory services, including limited-scope ERISA 3(21) fiduciary support and participant education. The firm also offers public seminars and workshops (no-fee, not offered in Illinois) aimed at educating individuals and business owners about investment basics.

LTFA does not directly custody or trade client assets; Matson Money holds discretionary trading authority and implements the firm’s recommended asset-allocation models that follow a modern-portfolio/efficient-market approach with periodic rebalancing. In its co-advisor role LTFA documents client goals, recommends model portfolios, monitors performance, and acts as liaison between clients and the Matson Money platform rather than exercising trade-by-trade discretion.

Compared with many team firms that provide direct portfolio management and in-house financial planning, LTFA’s structure is notable for routing advisory compensation and execution through a third-party platform and for offering plan-focused ERISA 3(21) services alongside public workshops. The brochure also discloses past bankruptcy filings by the firm’s chief compliance officer (a Chapter 11 in 2002–2004 and an earlier discharged bankruptcy), and identifies affiliated insurance activities that may give rise to commission-based conflicts which the firm says it discloses and manages.