Authentic Life Financial Planning

As a registered investment adviser, the firm is held to a fiduciary standard under the Investment Advisers Act of 1940, meaning it must put client interests ahead of its own. The firm's fee-only structure further reinforces this duty by eliminating commissions and proprietary product incentives. Clients receive a Form ADV Part 2A that discloses all conflicts of interest and fee schedules.

No. Asset custody is held by a qualified third-party custodian — commonly Charles Schwab Institutional or a comparable platform — while the firm retains limited trading authority through the custodian's advisory interface. This separation of custody and advisory authority is a core consumer protection that prevents commingling or unauthorized movement of client funds.

The practice works with accumulators and retirees who require integrated tax, estate, and retirement-income planning. Common client profiles include corporate executives managing deferred compensation, medical professionals transitioning a practice, and small-business owners weighing entity structure and succession. Many engagements are multi-generational, planning for both the primary earners and their adult children.