FAQs
Yes. In addition to working with clients who are preparing for retirement, we work with clients who have already entered their retirement and are looking for solutions for optimization, sustainability or considering wealth transfer.
Typically, we meet annually, semi-annually or quarterly, depending on your preference. These meetings may take place in-person in our Dana Point office, via video chat, or by phone. Our meetings serve to insure that we are prioritizing your goals and implementing any strategies that will benefit you financially. Other topics to discuss at these meetings would include anticipated changes to employment, life changes or large upcoming expenses. Our meetings will allow us to discuss your portfolios, market changes or any changes we may recommend.
Our goals-based investment advisory firm places value and emphasis on goals you have established for yourself versus arbitrary amounts of money to have set aside. We believe that the practice of meaningful goal setting is the basis for comprehensive financial planning and creating a foundation for your individual self-realization. Your financial plan and purpose of your investments is directly aligned to your life allocations and retirement lifestyle.
The Retirement Management Advisor® (RMA®) designation is an advanced certification for advisors who want to mitigate clients’ risks and master the retirement planning advisory process, all within an increasingly fiduciary environment. The RMA® program teaches financial professionals to take a holistic approach to your retirement needs. Retirement Management Advisor® professionals look beyond managing investments or retirement products and take a multidisciplinary approach to develop a complete framework for your retirement plan. Only an elite few advisors hold the prestigious, advanced RMA® certification, which is delivered by the Investments & Wealth Institute®. Learn More
The Accredited Investment Fiduciary® (AIF®) professional designation is the industry’s first and only designation that demonstrates knowledge and competency in the area of fiduciary responsibility and communicates a commitment to standards of investment fiduciary excellence. Holders of the AIF® mark have successfully completed a specialized program on investment fiduciary standards and subsequently passed a comprehensive examination. The Accredited Investment Fiduciary® (AIF®) designation represents a thorough knowledge of and ability to apply the fiduciary practices. Learn More
Our foundational Financial Planning is fee only- no commissions, ever.
As a Registered Investment Advisor, LBDIAS is held to the highest fiduciary standard and always acts in the best interest of you, our client.
Assets Under Management
Our Investment Management fee is based on the market value of the assets under management. This fee is based on a blended tier and ranges from 1% to 2%. This annual fee is generally negotiable.
Held-Away Account Services
We offer advice for accounts not directly managed by our firm where we may or may not have discretion.
These may include defined contribution plans such as 401(k) accounts, 529 plans, variable annuities, and other accounts. These services are subject to an annual fee.
Yes. Though we are a financial planning firm based in Dana Point, California, we have clients across the United States!
Once you’ve decided to become a client, we will have our first planning appointment. Prior to that appointment we will guide you through sharing important information regarding your goals and current financial standings. This first appointment will typically last a couple of hours and allows us to learn a greater deal about what you hope to achieve. We will collect and discuss tax returns, account statements, insurance policies and estate & trust documentation. Once we’ve established our relationship and created your financial plan, we will work with you to open investment accounts that are in line with your long-term goals and risk capacity. In addition to our regular meetings, the team at LBDIAS is there to support you with any changes or issues that arise in your life and require assistance or support. Ready? Start Here
Yes. Life By Design Investment Advisory Services already incorporates ESG data into our portfolio filtering and investment strategy selection processes.
Traditional data on a company may include sales revenues, profitability, dividends, and valuation. ESG data reveals so much more information about what’s going on underneath the surface when it comes to risk factors like Environmental impact, Social diversity implications and corporate Governance. This type of information can provide investors with a more complete analysis of a company and offer better insight into risks that might not be visible on balance sheets and income statements.
Are you ready to retire?
We know the thought can be overwhelming, but we are here to simplify the process and get you started. Take the first step with our complimentary retirement checklist.
