Life&wealth Advisors, Inc.

Life&Wealth Advisors, Inc. is a financial advisory firm located in Walnut Creek, CA, established in 2005. The firm specializes in providing Life Event Assessment ProcessTM (LEAP), Financial Planning, and Wealth Management services. LEAP assists clients in navigating major life events, while financial planning services are tailored to individual and family financial objectives. Wealth Management services include the development of an Investment Policy Statement tailored to client objectives. The firm collaborates with third-party asset managers and does not charge performance-based fees. Clients include individuals, high net worth individuals, and business entities, with a typical minimum account size of $1,000,000. Fees for Wealth Management Services are up to 0.5% per quarter, while financial planning and LEAP services are charged a negotiated fixed fee. The firm's investment strategies involve fundamental analysis, mutual and exchange-traded funds, public equity, corporate debt, municipal securities, and private securities. Clients have investment discretion, and the firm does not accept authority to vote proxies on behalf of clients. Life&Wealth Advisors, Inc. does not have custody of client funds and maintains required net capital. The firm's founder, Gary Gardner, is an indirect owner and active manager, with over 40 years of experience in the financial services industry.