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.

Life Advisors builds client portfolios using direct holdings in publicly traded securities — primarily low-cost ETFs, mutual funds, and individual bonds. The firm does not offer private fund commitments, venture capital access, or alternative investment sourcing. The practice is a traditional financial planning shop, not a multi-family office or institutional allocator.

The firm is headquartered in San Diego, California, and serves clients primarily in Southern California. Depending on registration filings and individual state notice requirements, remote client relationships may extend to additional US states. No international offices or non-US client operations exist.

The firm charges an asset-based fee calculated as a percentage of assets under management, consistent with the standard RIA model. No commissions, no product sales, no revenue-sharing from fund providers. Financial planning fees may be billed separately or bundled, depending on client engagement structure.