# Financial Life Planners

> 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.

- CRD: 129415
- Filed as: FINANCIAL LIFE PLANNERS
- Legal name: Financial Life Planners LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Tempe, AZ
- Filing period: October 2026
- Form ADV filing dated: March 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/129415
- AdvisorCensus page: https://advisorcensus.com/firm/financial-life-planners-tempe-az-129415

## Quick answers

**How is Financial Life Planners compensated?**
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.

**How much does Financial Life Planners charge?**
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.

**Where is Financial Life Planners located?**
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).

**Is Financial Life Planners registered with the SEC or a state?**
Financial Life Planners is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 129415.

**How much does Financial Life Planners manage?**
Financial Life Planners reports $208,356,675 in regulatory assets under management in its Form ADV filing dated March 30, 2026 (100% discretionary).

**How have Financial Life Planners' assets and staff changed since 2023?**
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.

**What types of clients does Financial Life Planners serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (229); high net worth individuals (69).

**Which custodians does Financial Life Planners use?**
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.

**Does Financial Life Planners 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/129415

**Does Financial Life Planners state an account minimum?**
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."

**What changed in Financial Life Planners' recent Form ADV filings?**
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.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated March 30, 2026)

- 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

> 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%

- Account minimum: $500,000

> Financial Life Planners does not have a mandatory minimum account size but usually onboards accounts with a minimum of $500,000.

- Hourly rate: $250 an hour (stand-alone financial planning services)

> 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.

- Flat fee: $1,000 to $2,500 (stand-alone financial planning services)

> 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.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Fidelity Brokerage Services LLC

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: $208,356,675
- Discretionary: $208,322,075
- Non-discretionary: $34,600

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 229 | $78,912,974 |
| High net worth individuals | 69 | $129,443,701 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2023 (3 years)
- Employees: 7 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, FL, NM, OR, PA, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Scottsdale, AZ

### Websites listed on Form ADV (Item 1.I)
- financiallifeplanners.com
- podcasts.apple.com/us/podcast/financial-life-planning-with-cynthia-and-gina/id1599602319
- Facebook @FinancialLifePlanners
- YouTube @FinancialLifePlanners

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | $112,792,467 | 4 | March 31, 2023 |
| October 2024 | $133,000,000 | 5 | August 27, 2024 |
| October 2025 | $174,578,704 | 6 | July 29, 2025 |
| October 2026 | $208,356,675 | 7 | March 30, 2026 |

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.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $174,578,704 to $208,356,675 (+19%).
- Registered or notice-filed in WA.

### December 2025
- Registered or notice-filed in NM, OR.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial Life Planners (CRD 129415): Form ADV filing data as of October 2026.