LifeTyme Financial

What LifeTyme Financial does

LifeTyme Financial is a privately-held, independent financial advisory firm headquartered in Scottsdale, Arizona, founded in 2010 by Vincent and Tracy Del Franco. The firm delivers fee-based financial planning, investment advisory, insurance, retirement, estate, and tax planning services primarily to individuals and families, with secondary segments covering business owners, corporate executives, and federal employees. Operations are conducted through two wholly-owned subsidiaries — LifeTyme Financial Advisors, LLC (a Registered Investment Advisor registered in 12 U.S. states) and LifeTyme Financial Group, LLC (the insurance arm) — and are supported by an expanding network of credentialed advisor coaches (ChFC, RICP, ChFEBC, MBA, ABFP designations).

The firm does not operate a proprietary technology platform; its digital infrastructure runs on FMG Suite (a third-party content/website CMS) and includes an extensive library of educational content — the "Circle of Wealth" video series, a 200+ term financial glossary, interactive calculators, and an active blog. Core product lines are insurance (Indexed Universal Life, Universal Life, Whole Life, Term Life, Disability, Long-Term Care), individual/family financial services (asset management, IRA/Roth IRA, 401(k) rollovers, estate and education planning), and corporate retirement and benefits strategies (executive compensation, deferred comp, 401(k), profit sharing, SEP/SIMPLE IRA).

LifeTyme's revenue model combines recurring fee-based advisory fees from LifeTyme Financial Advisors, LLC with insurance commissions and professional-services revenue from LifeTyme Financial Group, LLC. Customer acquisition is event- and education-driven, anchored by workshops and webinars (often co-hosted with strategic partner Matson Money, Inc.), inside-sales phone/email outreach, and the "Become a LifeTyme Coach" recruitment program. The firm remains entirely founder/family-owned with no disclosed institutional investment.

Name

LifeTyme Financial

Legal name

LifeTyme Financial, LLC

Website

https://ltfusa.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

LifeTyme Financial is an independent Scottsdale-based financial advisory firm offering fee-based retirement, investment, estate, tax, and insurance planning to individuals, families, business owners, and federal employees across 12 U.S. states, delivered through a network of credentialed advisor coaches.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Direct Life Insurance Carriers (524113)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Financial Coaching & Budgeting Advisory (FSAEAAAH)

akta.pro secondary industries

Whole Life Insurance (FSAIABAA), Level Term Life Insurance (FSAIAAAA), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Retirement planning services
• Financial advisory services
• Investment management
• Insurance planning
• Estate planning

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-Based Financial Planning: The company offers fee-based financial planning and investment advisory services. These services are provided through LifeTyme Financial Advisors, LLC, a Registered Investment Advisor operating in multiple states.
2. Insurance Products and Services: Insurance products and services are offered through LifeTyme Financial Group, LLC, including Indexed Universal Life Insurance, Universal Life Insurance, Whole Life Insurance, Term Life Insurance, Disability Insurance, and Long-Term Care Insurance.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

LifeTyme Financial provides fee-based financial planning, investment advisory, and insurance products to individuals, families, and business owners through its Registered Investment Advisor subsidiary (LifeTyme Financial Advisors, LLC) and insurance subsidiary (LifeTyme Financial Group, LLC). Core services include retirement planning, asset management, estate planning, tax planning, insurance solutions (Indexed Universal Life, Whole Life, Term Life, Disability, Long-Term Care), and corporate retirement and benefits strategies, all delivered through an education-first coaching model.

Product overview

LifeTyme Financial is a financial advisory and coaching firm offering a comprehensive suite of financial services. The core offerings include insurance products (Indexed Universal Life, Universal Life, Whole Life, Term Life, Disability, and Long-Term Care Insurance), individual and family financial planning (asset management, retirement planning, estate planning, tax planning), and corporate retirement and benefits strategies (executive compensation, 401(k) plans, profit sharing). These are supported by educational resources including the Circle of Wealth video series, financial calculators, a 200+ term glossary, blog content, and educational events. The firm operates as a Registered Investment Advisor (RIA) offering fee-based financial planning and investment advisory services through its affiliated entities LifeTyme Financial Advisors, LLC and LifeTyme Financial Group, LLC.

Differentiator

Problem solved

Functional benefit

Brands

• LifeTyme Financial Advisors, LLC: Registered Investment Advisor offering fee-based financial planning and investment advisory services in Arizona, Alaska, California, Colorado, Connecticut, Florida, Georgia, Illinois, Minnesota, New Jersey, South Carolina and Texas.
• LifeTyme Financial Group, LLC

Products and services

• Insurance Products Comprehensive insurance offerings including Indexed Universal Life, Universal Life, Whole Life, Term Life, Disability, and Long-Term Care Insurance to protect families from financial consequences of unexpected events.
• Individual & Family Financial Services Personalized financial services covering asset management, retirement planning (IRA, Roth IRA, 401k rollovers), estate planning, tax planning, and education funding for individual and family clients.
• Corporate Retirement & Benefits Strategies Business-focused solutions including executive compensation plans, deferred compensation, 401(k)/Solo 401(k), profit sharing plans, SEP and Simple IRA for corporate clients.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Matson Money, Inc.coreStrategic or Co-development PartnerLifeTyme Financial participates in Matson Money events and educational programs including The American Dream Experience, Investor Coaching Series, and Dismantling Myths of Investing. The partnership provides access to Matson Money's investment philosophy and educational frameworks. Note: Matson Money, Inc is not affiliated with LifeTyme Financial, LLC, LifeTyme Financial Advisors, LLC, and LifeTyme Financial Group, LLC.
• House of Heroes ArizonaminorOthersLifeTyme Financial supports House of Heroes Arizona, a nonprofit organization supporting military and public safety veterans.
• 100 Club of ArizonaminorOthersLifeTyme Financial supports the 100 Club of Arizona, an organization providing assistance to fallen officers and their families.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Matson Money: Strategic partner of LifeTyme Financial that provides the underlying investment philosophy, educational content (American Dream Experience), and coaching frameworks used by LifeTyme's advisor network. Operates a near-identical education-first RIA/coaching model for individuals and families.
• Carson Wealth: Holistic wealth management firm offering financial planning, investment management, and coaching-style advisor services to individuals and families — a similar-sized peer with comparable education-led, coaching-driven advisory culture.

Broad incumbents

• Northwestern Mutual: Large established provider of life insurance, disability income insurance, and long-term care coverage through a network of financial advisors — directly comparable to LifeTyme Financial Group's insurance brokerage and advisory offerings.
• Edelman Financial Engines: One of the largest independent RIAs in the U.S., combining fee-based financial planning, investment management, and retirement income coaching for individuals and families — comparable to LifeTyme's coaching-led planning approach.
• Edward Jones: National financial advisory firm serving individual investors with retirement planning, investments, and insurance through a branch-based advisor model — analogous to LifeTyme's relationship-driven, advisor-led service delivery.
• Ameriprise Financial: Diversified financial services company offering financial planning, investment advisory, retirement, and insurance products through a national network of advisors — directly comparable multi-product advisor structure.
• New York Life: Mutual life insurer and provider of life insurance, long-term care, retirement, and investment products through a career-agent advisor network — overlapping LifeTyme's insurance and retirement planning offerings at much greater scale.
• Fisher Investments: Large independent investment advisory firm serving individuals and institutions with portfolio management and retirement planning — directly comparable to the registered investment advisory services offered by LifeTyme Financial Advisors, LLC.
• Cambridge Investment Research: Independent broker-dealer and RIA support platform serving thousands of financial advisors across the U.S. — provides comparable advisor infrastructure to what LifeTyme's registered states and coaching model operate within.
• Creative Planning: Large national RIA offering holistic financial planning including retirement, investment, tax, estate, and insurance solutions to individuals and business owners — a significantly scaled version of LifeTyme's integrated wealth advisory model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ltfusa
• Facebookfacebook.com/LTFUSA
• LinkedInlinkedin.com/company/lifetymefinancialllc

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 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 LifeTyme Financial