Life Advisors Financial Planning and Wealth Management

John H. Robinson serves as the firm's founder and primary investment adviser representative. All portfolio decisions are made in-house under an advisory agreement, not outsourced to third-party managers. Robinson's public media presence confirms he personally leads the planning methodology and client relationship management.

Yes. As a registered investment advisor (RIA) under the Investment Advisers Act of 1940, the firm has a legal fiduciary duty to act in clients' best interests. This differs from broker-dealer firms operating under the less restrictive Regulation Best Interest standard. Fee-only compensation eliminates commission conflicts.

The firm's specialty is corporate executives and professionals with significant equity compensation — restricted stock units, incentive stock options, and non-qualified stock options. Clients frequently work in technology, biotechnology, and other industries where equity grants form a meaningful portion of total compensation.

The firm builds structured diversification plans around single-stock risk. This can include staged selling programs, option exercise scheduling that factors in alternative minimum tax exposure, and Rule 10b5-1 trading plan design for executives subject to insider trading restrictions. Position sizing is modeled against retirement income projections.