{
  "crd_number": 129415,
  "slug": "financial-life-planners-tempe-az-129415",
  "primary_business_name": "FINANCIAL LIFE PLANNERS",
  "legal_name": "FINANCIAL LIFE PLANNERS LLC",
  "dbas": [],
  "city": "Tempe",
  "state": "AZ",
  "country": "United States",
  "cbsa_code": "38060",
  "metro": {
    "cbsa_code": "38060",
    "common_name": "Phoenix",
    "msa_name": "Phoenix-Mesa-Chandler, AZ",
    "path": "/advisors/az/phoenix"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2023-05-01",
  "years_registered": 3,
  "period": "2026-10-01",
  "filing_date": "2026-03-30",
  "carried_forward": false,
  "raum_total": 208356675.0,
  "raum_discretionary": 208322075.0,
  "raum_non_discretionary": 34600.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 7,
  "advisory_employees": 3,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 78912974.0,
      "count": 229
    },
    "high_net_worth_individuals": {
      "raum": 129443701.0,
      "count": 69
    }
  },
  "compensation_types": [
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AZ",
    "CA",
    "FL",
    "NM",
    "OR",
    "PA",
    "TX",
    "WA"
  ],
  "websites": [
    "https://facebook.com/FinancialLifePlanners",
    "https://financiallifeplanners.com",
    "https://podcasts.apple.com/us/podcast/financial-life-planning-with-cynthia-and-gina/id1599602319",
    "https://youtube.com/@FinancialLifePlanners"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/129415",
  "city_as_filed": "TEMPE",
  "url": "https://advisorcensus.com/firm/financial-life-planners-tempe-az-129415",
  "display_name": "Financial Life Planners",
  "summary": "Financial Life Planners is an SEC-registered investment advisory firm in Tempe, AZ, registered since 2023, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 30, 2026.",
  "citation": "AdvisorCensus. Financial Life Planners (CRD 129415): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Selection of other advisers (including private fund managers)",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is Financial Life Planners compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Financial Life Planners reports these compensation arrangements: a percentage of assets under its management; hourly charges."
    },
    {
      "q": "How much does Financial Life Planners charge?",
      "a": "Its Form ADV Part 2A brochure dated March 30, 2026 states: Up to $99,999.99: 1.5% a year; $100,000 to $249,999.99: 1.3% a year; $250,000 to $499,999.99: 1.2% a year; $500,000 to $1,999,999.99: 1% a year; Above $2,000,000: 0.75% a year; Hourly rate: $250 an hour (stand-alone financial planning services); Flat fee: $1,000 to $2,500 (stand-alone financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Financial Life Planners located?",
      "a": "Financial Life Planners' principal office is in Tempe, AZ, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Financial Life Planners registered with the SEC or a state?",
      "a": "Financial Life Planners is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 129415."
    },
    {
      "q": "How much does Financial Life Planners manage?",
      "a": "Financial Life Planners reports $208,356,675 in regulatory assets under management in its Form ADV filing dated March 30, 2026 (100% discretionary)."
    },
    {
      "q": "How have Financial Life Planners' assets and staff changed since 2023?",
      "a": "In the Form ADV data for Financial Life Planners: Regulatory assets under management: $112,792,467 in the October 2023 data and $208,356,675 in the October 2026 data, up 85%. Total employees: 4 in October 2023 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Financial Life Planners serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (229); high net worth individuals (69)."
    },
    {
      "q": "Which custodians does Financial Life Planners use?",
      "a": "Financial Life Planners' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Fidelity Brokerage Services LLC as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Financial Life Planners report any disciplinary disclosures?",
      "a": "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/129415"
    },
    {
      "q": "Does Financial Life Planners state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 30, 2026 says: \"Financial Life Planners does not have a mandatory minimum account size but usually onboards accounts with a minimum of $500,000.\""
    },
    {
      "q": "What changed in Financial Life Planners' recent Form ADV filings?",
      "a": "In the April 2026 filing data: Regulatory assets under management went from $174,578,704 to $208,356,675 (+19%). Registered or notice-filed in WA."
    }
  ],
  "filing_history": [
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 112792467.0,
      "total_employees": 4,
      "filing_date": "2023-03-31"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 133000000.0,
      "total_employees": 5,
      "filing_date": "2024-08-27"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 174578704.0,
      "total_employees": 6,
      "filing_date": "2025-07-29"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 208356675.0,
      "total_employees": 7,
      "filing_date": "2026-03-30"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Regulatory assets under management went from $174,578,704 to $208,356,675 (+19%).",
        "Registered or notice-filed in WA."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Registered or notice-filed in NM, OR."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 30, 2026",
    "provided_by_the_firm": false,
    "tiers": [
      {
        "band": "Up to $99,999.99",
        "rate": "1.5%"
      },
      {
        "band": "$100,000 to $249,999.99",
        "rate": "1.3%"
      },
      {
        "band": "$250,000 to $499,999.99",
        "rate": "1.2%"
      },
      {
        "band": "$500,000 to $1,999,999.99",
        "rate": "1%"
      },
      {
        "band": "Above $2,000,000",
        "rate": "0.75%"
      }
    ],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$500,000",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $250 an hour (stand-alone financial planning services)",
      "Flat fee: $1,000 to $2,500 (stand-alone financial planning services)"
    ],
    "figures": [
      {
        "label": "Fee schedule",
        "statements": [
          "Up to $99,999.99: 1.5% a year",
          "$100,000 to $249,999.99: 1.3% a year",
          "$250,000 to $499,999.99: 1.2% a year",
          "$500,000 to $1,999,999.99: 1% a year",
          "Above $2,000,000: 0.75% a year"
        ],
        "quotes": [
          "Our annualized fee schedule is: ASSETS UNDER MANAGEMENT MANAGEMENT FEE FIRST $99,999.99 1.5% $100,000 – $249,999.99 1.3% $250,000 – $499,999.99 1.2% $500,000 - $1,999,999.99 1% $2,000,000 + .75%"
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $500,000"
        ],
        "quotes": [
          "Financial Life Planners does not have a mandatory minimum account size but usually onboards accounts with a minimum of $500,000."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $250 an hour (stand-alone financial planning services)"
        ],
        "quotes": [
          "These financial planning services will be charged a fee for service at an hourly rate of $250 or a one-time fee that ranges between $1,000 and $2,500."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,000 to $2,500 (stand-alone financial planning services)"
        ],
        "quotes": [
          "These financial planning services will be charged a fee for service at an hourly rate of $250 or a one-time fee that ranges between $1,000 and $2,500."
        ]
      }
    ],
    "values": {
      "tiers": [
        {
          "min": 0.0,
          "max": 99999.99,
          "rate_pct": 1.5
        },
        {
          "min": 100000.0,
          "max": 249999.99,
          "rate_pct": 1.3
        },
        {
          "min": 250000.0,
          "max": 499999.99,
          "rate_pct": 1.2
        },
        {
          "min": 500000.0,
          "max": 1999999.99,
          "rate_pct": 1.0
        },
        {
          "min": 2000000.0,
          "max": null,
          "rate_pct": 0.75
        }
      ],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 500000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 250.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "stand-alone financial planning services"
        },
        {
          "kind": "flat",
          "amount": null,
          "min": 1000.0,
          "max": 2500.0,
          "period": "one_time",
          "service": "stand-alone financial planning services"
        }
      ]
    },
    "quotes": [
      "Our annualized fee schedule is: ASSETS UNDER MANAGEMENT MANAGEMENT FEE FIRST $99,999.99 1.5% $100,000 – $249,999.99 1.3% $250,000 – $499,999.99 1.2% $500,000 - $1,999,999.99 1% $2,000,000 + .75%",
      "Financial Life Planners does not have a mandatory minimum account size but usually onboards accounts with a minimum of $500,000.",
      "These financial planning services will be charged a fee for service at an hourly rate of $250 or a one-time fee that ranges between $1,000 and $2,500.",
      "These financial planning services will be charged a fee for service at an hourly rate of $250 or a one-time fee that ranges between $1,000 and $2,500."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Fidelity Brokerage Services LLC",
      "name_as_filed": "FIDELITY BROKERAGE SERVICES LLC",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/financial-life-planners-tempe-az-129415.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 229,
      "fewer_than_5": false,
      "raum": 78912974.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 69,
      "fewer_than_5": false,
      "raum": 129443701.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/129415",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}