Financial Life Planners

Financial Life Planners, LLC is an independent SEC-registered investment adviser founded in 2004 by Cynthia K. Fick, offering investment management and financial planning services. The firm's investment management services include portfolio management with a focus on diversification and meeting client objectives. Financial planning services encompass goal-based planning, cash-flow management, and advice on mortgages, insurance, estate planning, and tax planning. The firm may use Third-Party Managers or Sub-Advisors for portfolio management. Financial Life Planners charges fees based on a tiered schedule, with annualized fees ranging from 1.5% to 0.75% based on assets under management. The firm does not charge performance-based fees and typically serves individuals, families, trusts, estates, corporations, and qualified plans. While there is no mandatory minimum account size, accounts typically start at $500,000. Financial Life Planners manages client accounts on a discretionary basis, allowing the firm to make investment decisions without client approval. The firm follows fundamental and technical analysis methods and customizes investment strategies based on client goals and risk tolerance. Clients receive regular account reviews and statements, with fees deducted directly from accounts. Financial Life Planners does not vote on client securities and does not have custody of client assets.