LIFECRAFT FINANCIAL PLANNING, LLC

No. Lifecraft operates on a flat-fee subscription model, charging monthly or annual retainers for financial planning services. The firm deliberately chose this structure to serve clients with high earned income and growing equity holdings who have not yet accumulated large liquid portfolios — a demographic that AUM-based advisors typically overlook.

Founder Eric Figueroa holds both CPA and CFP designations and acts as the primary advisor on all client engagements. Lifecraft does not manage discretionary portfolios internally; the firm provides asset allocation guidance and advice on employer-sponsored retirement plans in the context of each household's broader financial plan, rather than running a proprietary investment strategy.

The firm focuses on technology professionals in Silicon Valley and the broader Bay Area, particularly mid-career engineers and product managers at major technology companies who hold concentrated equity positions and require tax-aware planning. Lifecraft also serves clients virtually throughout California.

No. Lifecraft is an independent registered investment advisor with no broker-dealer affiliation, no private equity backing, and no adjacent wealth management entity. This structure avoids conflicts of interest tied to product sales and allows the firm to maintain a fiduciary obligation across all client advice.

Lifecraft does not typically offer discretionary portfolio management. The practice is built around comprehensive financial planning — equity compensation analysis, retirement planning, tax strategy, and cash-flow modeling — with asset allocation guidance provided in an advisory capacity. Clients execute investments directly through their own brokerage or employer-sponsored accounts.

The subscription-fee structure is the core differentiator. Most Bay Area wealth managers require a minimum of $500,000 or more in liquid investable assets. Lifecraft's retainer model allows the firm to work with executives during their peak earning years, when tax planning and equity decision-making generate value that far exceeds a portfolio management fee, even before significant balance-sheet wealth accumulates.

Yes. Equity compensation planning is a central component of Lifecraft's service. Client engagements routinely cover ISO and RSU exercise sequencing, tax-impact modeling for vesting schedules, and strategies for diversifying concentrated single-stock positions inside a broader financial plan.