# Financial Life Advisors

> Financial Life Advisors is an SEC-registered investment advisory firm in San Antonio, TX, registered since 2017, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 18, 2026.

- CRD: 128502
- Filed as: FINANCIAL LIFE ADVISORS
- Legal name: Financial Life Advisors LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Antonio, TX
- Filing period: October 2026
- Form ADV filing dated: March 18, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/128502
- AdvisorCensus page: https://advisorcensus.com/firm/financial-life-advisors-san-antonio-tx-128502

## Quick answers

**How is Financial Life Advisors compensated?**
On its Form ADV (Item 5.E, October 2026), Financial Life Advisors reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Financial Life Advisors located?**
Financial Life Advisors' principal office is in San Antonio, TX, according to its Form ADV.

**Is Financial Life Advisors registered with the SEC or a state?**
Financial Life Advisors is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 128502.

**How much does Financial Life Advisors manage?**
Financial Life Advisors reports $366,325,843 in regulatory assets under management in its Form ADV filing dated March 18, 2026 (97% discretionary).

**How have Financial Life Advisors' assets and staff changed since 2021?**
In the Form ADV data for Financial Life Advisors: Regulatory assets under management: $284,403,816 in the October 2021 data and $366,325,843 in the October 2026 data, up 29%. Total employees: 9 in October 2021 and 11 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Financial Life Advisors serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (118); individuals (other than high net worth individuals) (89); charitable organizations (1).

**Which custodians does Financial Life Advisors use?**
Financial Life Advisors' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Financial Life Advisors report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/128502

**What changed in Financial Life Advisors' recent Form ADV filings?**
In the February 2026 filing data: Updated its list of owners and control persons (Schedule A).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $366,325,843
- Discretionary: $354,540,023
- Non-discretionary: $11,785,820

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 89 | $48,968,771 |
| High net worth individuals | 118 | $308,148,218 |
| Charitable organizations | 1 | $327,730 |
| Corporations or other businesses not listed above | 1 | $8,881,124 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients

### Firm details
- Registered since: 2017 (9 years)
- Employees: 11 total, 8 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [financiallifeadviser.com](https://financiallifeadviser.com)
- [financiallifeadvisers.com](https://financiallifeadvisers.com)
- [fladvisors.com](https://fladvisors.com)
- [safinancialplanning.com](https://safinancialplanning.com)
- LinkedIn @FINANCIALLIFEADVISORS
- YouTube @FinancialLifeAdvisors

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $284,403,816 | 9 | March 31, 2021 |
| October 2022 | $360,556,322 | 10 | May 25, 2022 |
| October 2023 | $286,662,650 | 10 | March 15, 2023 |
| October 2024 | $324,125,865 | 9 | July 17, 2024 |
| October 2025 | $345,754,163 | 11 | May 5, 2025 |
| October 2026 | $366,325,843 | 11 | March 18, 2026 |

Regulatory assets under management: $284,403,816 in the October 2021 data and $366,325,843 in the October 2026 data, up 29%.
Total employees: 9 in October 2021 and 11 in October 2026.

## Changes in the filing (last 12 months)

### February 2026
- Updated its list of owners and control persons (Schedule A).

### January 2026
- No longer registered or notice-filed in NH.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial Life Advisors (CRD 128502): Form ADV filing data as of October 2026.