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Family Life Financial Planning
Brandon Renfro runs Family Life Financial Planning, a fee-only RIA in Texas that charges flat retainers instead of AUM fees.
Family Life Financial Planning
FAMILY LIFE FINANCIAL PLANNING is an SEC-registered investment adviser in MENTOR, OH. It manages approximately $6 million in regulatory assets. The firm has 1 employee and 1 investment adviser.
General information
Firm type
Asset Manager
Year founded
2008
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Mentor
Corporate office
Los Angeles, CA, United States
Principals
Brandon Renfro
Owner, Financial Planner
Sector focus
Frequently asked questions
Is Family Life Financial Planning a fiduciary?
Yes. The firm is structured as a Registered Investment Adviser (RIA), which legally requires it to act as a fiduciary for all clients at all times. Brandon Renfro, as the sole principal, operates under this standard across every engagement, meaning the firm must place client interests ahead of its own and fully disclose any conflicts.
How does the firm charge for financial planning?
The firm uses a flat monthly retainer or subscription fee. Clients pay the same amount regardless of their net worth, portfolio size, or product purchases. This model removes the incentive to gather assets or recommend commission-based products, since revenue is tied purely to the planning relationship.
Does the firm manage investment portfolios?
No. Family Life Financial Planning does not custody client assets or exercise discretionary authority over portfolios. The firm provides advice on asset allocation, investment selection, and account structure, but all trading and custody decisions remain with the client at their chosen brokerage.
What specific planning areas does the firm emphasize?
The practice concentrates on retirement income planning, Social Security claiming optimization, military and federal benefits analysis, tax-efficient withdrawal sequencing, and cash-flow modeling. Renfro's academic background and published work in these areas distinguish the firm from generalist planners.
Does the firm work with clients outside of Texas?
Yes. While the firm is based in Longview, Texas, and has a local concentration in East Texas and the Dallas-Fort Worth area, it serves clients virtually across multiple states. The subscription model and planning-only focus make remote relationships straightforward.
What is Brandon Renfro's professional background?
Renfro holds a Ph.D. and taught at the college level before transitioning into financial planning. He founded the firm in 2008 and holds the Certified Financial Planner (CFP) designation. He has also contributed as a writer to U.S. News & World Report and publishes on retirement topics independently.
Is the firm affiliated with any broker-dealer or insurance company?
No. Family Life Financial Planning is an independent RIA with no broker-dealer affiliation, no insurance sales relationships, and no revenue-sharing agreements. The firm earns income exclusively from client-paid fees.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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