What Financial Lifestyle Management does

Financial Lifestyle Management is a fee-only, fiduciary financial planning and investment management firm founded in 2003 by Vicki Ward CFP® and headquartered in Greenville, Texas, approximately 45 minutes east of the Dallas Metroplex. The firm operates as a Texas state-registered investment adviser and serves individuals, families, and small business owners across Texas through both in-person and virtual meetings. The core service offering spans comprehensive financial planning (retirement, Social Security, Medicare, insurance, budgeting, college savings, estate coordination) and investment portfolio management using low-cost funds and ETFs held at Charles Schwab under an independent custodial arrangement that provides SIPC protection up to $500,000.

The firm's underlying technology stack is deliberately conventional: portfolio assets are custodied at Charles Schwab, planning is delivered through a six-step human-led process, and client education is supported by a suite of online financial calculators powered by TimeValue Software and an educational blog. There are no proprietary trading algorithms, no AI-driven planning tools, and no mobile application; the value proposition is built on the CFP® credential, fiduciary standard, and the personal advisory relationship with the founder rather than on technology differentiation.

Financial Lifestyle Management generates revenue through three pricing structures: hourly/as-needed engagements billed at an hourly rate, fixed-fee comprehensive financial plans priced by scope and complexity, and ongoing investment management charged as a quarterly percentage of assets under management. Client acquisition is driven by content marketing (educational blog and calculators) at the top of the funnel, free initial consultations at the bottom of the funnel, and direct personal relationships rather than institutional sales channels. The firm is privately held and founder-owned with no disclosed funding, parent company, or institutional investors.

Name

Financial Lifestyle Management

Legal name

Financial Lifestyle Management

Website

https://financiallifestylemanagement.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Financial Lifestyle Management is a fee-only fiduciary RIA in Greenville, Texas offering financial planning and investment management to individuals, families, and small business owners across Texas via a CFP®-led advisory practice.

Ownership category

akta.pro rank

Product category

Personal Financial Planning and Investment Advisory

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Discretionary Portfolio Management (Retail) (FSAAAAAH), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

Keywords

• Fee-only financial planning
• Investment management services
• Retirement income planning
• Fiduciary financial advisory
• Personal wealth advisory

Headquarters

HQ city

Greenville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Assets Under Management (AUM): Quarterly fees based on percentage of assets managed for ongoing investment management services. Complete fee schedule available in Firm Brochure on disclosure page.
2. Hourly / As-Needed: One-time or periodic advice billed at an hourly rate for specific planning questions or occasional guidance
3. Flat-Fee Comprehensive Financial Plan: Fixed fee based on scope and complexity of situation, agreed upon and documented in writing before beginning work

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Financial Lifestyle Management is a fee-only, independent fiduciary financial planning and investment management firm. It delivers comprehensive financial planning covering retirement, Social Security and Medicare, insurance, taxes, estate planning, college planning, and budgeting, paired with ongoing investment portfolio management using low-cost funds and ETFs held in custody at Charles Schwab.

Product overview

Financial Lifestyle Management is a fee-only, fiduciary financial planning firm offering comprehensive financial planning and investment management services. The core offerings include investment portfolio management using low-cost funds and ETFs, employer retirement plans and IRA management, and full-service financial planning covering retirement, Social Security, Medicare, insurance, budgeting, college savings, and estate planning. The firm also provides an online suite of financial calculator tools (home financing, personal financing, investment, retirement, and lease) powered by TimeValue Software for client education and planning purposes.

Differentiator

Problem solved

Functional benefit

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Charles SchwabcoreTechnology or IntegrationClient investment accounts held independently at Charles Schwab, one of the largest and most established financial custodians. Schwab holds assets in client names, sends statements directly, and operates independently of the firm. Assets protected by SIPC up to $500,000.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Fisher Investments: Large investment management firm serving individuals and institutions; overlaps with FLM on portfolio management for individual investors though its scale and active-management emphasis differ.
• Edelman Financial Engines: Large independent RIA providing fee-only financial planning and investment management to individuals and families nationwide; competes for the same mass-affluent and retirement-planning clientele as FLM but at vastly greater scale.
• Mariner Wealth Advisors: National RIA platform with significant fee-only advisory services for individuals and families; an active acquirer of smaller RIAs and a relevant strategic acquirer or competitor to FLM.
• Goldman Sachs Personal Financial Management: Full-service wealth and financial planning offering for high-net-worth and mass-affluent clients; competes for the same comprehensive-planning wallet share FLM targets, though at materially higher AUM minimums.
• Vanguard Personal Advisor Services: Vanguard's hybrid robo-plus-human advisory service for retail investors; competes with FLM in the mass-affluent fee-based planning segment with strong brand and lower-cost positioning.

Emerging players

• Savvy Wealth: Digital-first RIA platform enabling independent advisors to operate their own practices with shared infrastructure; represents both a potential technology-enabled peer model and a competitive threat.
• Facet Wealth: Tech-enabled fee-only financial planning firm serving mass-affluent clients remotely; closely comparable to FLM in target customer and fee structure but with a more scalable digital model.

Direct peers

• Personal Capital (Empower Personal Dashboard): Fee-only registered investment adviser offering financial planning and investment management to individuals, with a strong digital advisory platform — directly comparable to FLM's hybrid personal-advisor + digital-tools model.
• Schwab Intelligent Portfolios / Schwab Wealth Advisory: Schwab's own advisory offerings leverage the same Schwab custodial platform FLM uses; compete directly for FLM's clients and represent both a competitor and infrastructure dependency.

Others

• XY Planning Network: Network of fee-only financial planners serving Gen X and Millennial clients; a relevant ecosystem peer for FLM given similar fee-only, fiduciary, life-stage-focused positioning and Texas-adjacent advisor base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Financial Lifestyle Management