# Family Life Financial Planning

Family Life Financial Planning is an Asset Manager based in Mentor, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Mentor, United States
- **Region:** North America
- **Address:** Los Angeles, CA, United States
- **Founded:** 2008
- **Assets under management:** Undisclosed
- **Website:** familylifefp.com
- **LinkedIn:** https://www.linkedin.com/company/michael-kostelnik-50159a1

## Regulatory record

- **CRD number:** 284922
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/284922

## About

FAMILY LIFE FINANCIAL PLANNING is a state-registered investment adviser in MENTOR, OH. It manages approximately $6 million in regulatory assets. The firm has 1 employee and 1 investment adviser.

## Sectors

- Financial Services
- Retirement Planning

## People

- Brandon Renfro — Owner, Financial Planner

## 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.

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Last updated: 2026-06-03T20:00:00.000Z

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