Lifelong Investments

What Lifelong Investments does

Lifelong Investments is a privately held wealth management firm headquartered in Fairfield, New Jersey, serving individuals, families, and business owners primarily in or approaching retirement. The firm delivers comprehensive financial planning, investment management, estate planning, risk management, and business succession planning through two primary product tiers: a $99/month Lifelong Financial Planning subscription aimed at early-stage wealth builders and DIY investors, and the Lifelong Investment Management service that charges fees as a percentage of assets under management for clients near or in retirement (the monthly subscription fee is waived for accounts above $100,000). Operations are supported by a four-person team led by founder and President Brad Katz, who has more than 25 years of financial services experience and is a Registered Principal with Cetera Advisors, LLC.

The firm's technology stack is built primarily on third-party integrations rather than proprietary platforms. Riskalyze is embedded to power the 'What's My Risk Number' risk-tolerance assessment; AdviceWorks provides the client portal; Calendly handles scheduling; and Cetera Advisors, LLC serves as the registered broker/dealer and Cetera Investment Advisers, LLC as the registered investment adviser for securities and advisory activities. The firm emphasizes a customized, daily-attention portfolio management approach, monthly client communications, and an extensive online resource center for client education.

The go-to-market motion is relationship-based and consultative, using a structured process of a 15-minute introductory call, a 60-minute presentation meeting, a 30-minute implementation meeting, and ongoing portfolio reviews. Distribution is domestic only, anchored at the single Fairfield, NJ office. Customer acquisition relies on content marketing (blog, resource center, webinars), email newsletters, and referral-style introductions through the Calendly scheduling flow. The firm completed the acquisition of RCN Wealth Management in 2024, transitioning those clients onto the Lifelong platform. There are no disclosed funding rounds, no institutional investors, and the firm operates as an independent, founder-controlled LLC affiliated with but not owned by Cetera.

Name

Lifelong Investments

Legal name

Lifelong Investments LLC

Website

https://lifelonginvestments.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Lifelong Investments is a privately held New Jersey wealth management firm offering financial planning subscriptions and AUM-based investment management to individuals, families, and business owners, primarily those near or in retirement.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

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

akta.pro industry

PRIMARYFSAAACAE

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers)

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

SECONDARYFSAAAAAJ

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

SECONDARYFSAEAAAG

Estate & Legacy Planning Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAEABAH

Annuity & Insurance-Based Retirement Solutions Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Wealth management services
• Investment management
• Financial planning
• Retirement planning
• Estate planning services

Headquarters

HQ city

Fairfield

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Planning Subscription: Monthly subscription service providing virtual analysis of current financial picture, goals-based financial planning, custom investment asset allocation, custom risk management, monthly communications, and access to interactive technology platform.
2. Investment Management (AUM): Fee-based investment management service where cost is a percentage of assets under management. Includes comprehensive financial planning subscription (monthly fee waived for accounts over $100,000) plus customized portfolio management, access to range of investment options, and ongoing guidance.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Lifelong Investments delivers personalized wealth management and financial advisory services to individuals, families, and business owners, anchored by two products: a $99/month Lifelong Financial Planning subscription and a fee-based Lifelong Investment Management service priced as a percentage of assets under management. The firm also provides insurance, estate planning, risk management, and business succession planning as integrated components of a comprehensive, custom-built financial plan delivered through one-on-one advisor relationships.

Product overview

Lifelong Investments offers a comprehensive suite of wealth management services through two primary products: the Lifelong Financial Planning monthly subscription ($99/month) and Lifelong Investment Management (fee-based on assets under management). The subscription service provides web-based financial analysis, goals-based planning, custom asset allocation, risk management, and monthly communications via an interactive technology platform. The Investment Management service includes the Financial Planning subscription (waived for accounts over $100,000) plus customized portfolio management. Additional service offerings include Investments & Insurance, Financial & Estate Planning, Risk Management (including the Riskalyze-powered 'What's My Risk Number' assessment), and Business Planning for business owners. The firm also acquired RCN Wealth Management, transitioning those clients into the Lifelong Investments family.

Differentiator

Problem solved

Functional benefit

Products and services

• Lifelong Financial Planning Monthly subscription service providing web-based financial analysis combined with personalized advice. Includes virtual analysis of the current financial picture, goals-based planning, custom investment asset allocation, custom risk management, monthly communications, and access to an interactive technology platform. Targeted at individuals starting to build wealth or wanting tools and advice.
• Lifelong Investment Management Customized investment management service for clients near or in retirement, priced as a percentage of assets under management. Includes a personalized financial plan for the client and their family, access to a range of investment management options, the Lifelong Financial Planning subscription (monthly fee waived for accounts over $100,000), and ongoing guidance.
• Investments & Insurance Comprehensive investment management and insurance services delivered as part of the firm's full-service financial planning offering. Includes brokerage and advisory securities offerings made through Cetera Advisors, LLC and Cetera Investment Advisers, LLC.
• Financial & Estate Planning Financial and estate planning services that help clients manage their wealth, plan for wealth transfer, and coordinate estate-level decisions with the rest of the financial plan.
• Risk Management Risk assessment and management services, including the Riskalyze-powered "What's My Risk Number" assessment that helps clients understand how much risk they want, need, and currently have, and aligns portfolio construction to that profile.
• Business Planning Financial planning services tailored for business owners, including business succession planning, investment management of business-related assets, and coordination with personal wealth planning.

Quantifiable outcome

• Comprehensive financial planning service accessible at $99/month for early-stage investors
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• RCN Wealth ManagementcoreStrategic or Co-development Partner · 1 January 2024RCN Wealth Management was acquired and became part of Lifelong Investments in 2024. Former RCN clients transitioned to Lifelong with seamless account migration, no disruption to existing accounts, unchanged account numbers, and access to enhanced resources and tools. Founder Ron worked closely with Lifelong to ensure smooth transition.
• Cetera AdvisorscoreChannel Partner/ Reseller/ DistributorRegistered Representatives offering securities through Cetera Advisors, LLC, a registered broker/dealer member of FINRA/SIPC. Advisory services offered through Cetera Investment Advisers, LLC. Cetera firms are under separate ownership from any other named entity.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Cetera Financial Group: Independent broker-dealer and RIA network through which Lifelong operates (Cetera Advisors / Cetera Investment Advisers). The parent ecosystem provides the platform, compliance, and product access Lifelong relies on, and houses dozens of comparable advisor practices.
• Mariner Wealth Advisors: National wealth advisory firm offering financial planning, investment management, estate planning, tax, and business planning. Serves many of the same client segments (pre-retirees, retirees, business owners) as Lifelong, just at materially larger scale.
• Creative Planning: Large national RIA providing comprehensive wealth management, financial planning, estate planning, and investment management. Overlaps substantially with Lifelong's service suite but operates at much greater scale across multiple states.

Emerging players

• Boldin (formerly NewRetirement): Tech-driven retirement planning platform providing goals-based planning, risk assessment, and financial analysis tools to consumers and advisors. Competes with Lifelong's subscription planning tier by serving self-directed 'Early-Stage Wealth Builders' at materially lower price points.
• Empower (Personal Capital): Tech-enabled retirement and wealth advisory firm offering planning tools, risk assessment dashboards, and advisory services at scale. Directly competitive to Lifelong's subscription-style financial planning ($99/month) and risk-assessment (Riskalyze) offerings through a digital-first delivery model.

Direct peers

• Edelman Financial Engines: Large-scale RIA with deep retirement-planning focus and a national footprint. Targets the same near-retirement and retired demographic as Lifelong with comparable goals-based planning, portfolio management, and risk-tolerance assessment offerings.
• Carson Wealth: Cetera-affiliated wealth management firm serving individuals, families, and business owners with financial planning and investment management. Operates the same independent-advisor-under-Cetera model as Lifelong and is the most structurally comparable peer.
• Buckingham Strategic Wealth: Independent RIA built on evidence-based financial planning and discretionary portfolio management. Competes for the same retirement-focused, fee-based client with similar goals-based planning emphasis and team-of-advisors delivery model.

Regional players

• Savant Wealth Management: Mid-market RIA with a comparable mix of financial planning, investment management, tax, and estate services for individuals and business owners. Operates as a multi-advisor team model similar to Lifelong, but with a Midwestern geographic focus rather than NJ.

Others

• Cambridge Investment Research: Independent broker-dealer and RIA platform comparable to Cetera Advisors. While not a direct competitor to Lifelong's advisory services, it hosts thousands of similarly structured small advisor practices and represents the alternative ecosystem to Cetera's affiliation model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/LifelongInv
• Facebookfacebook.com/lifelonginvestments

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Lifelong Investments