What Lifetime Advisors Group does

Lifetime Advisors Group is a privately held, boutique financial advisory firm founded in 1998 by Gayle Jendzejec and headquartered in North Kingstown, Rhode Island, with a secondary service area in Collier and Lee counties in Florida. The firm delivers an integrated wealth management offering built around its proprietary Bucket Plan® methodology, a time-segmented framework that allocates client assets across three horizons: Now (12 months of liquid expenses), Soon (3-10 year conservative growth), and Later (long-term growth and legacy). This methodology sits inside a broader Five Pillars service model covering Financial Planning, Asset Management, Tax Management, Protection Planning, and Legacy Planning, with execution supported by an in-house CPA (John Woodard), a Financial Wellness Strategist (Jane Gempp), and a bilingual Client Service Manager (Jacky Melendez).

The firm's core product suite includes Financial Planning, Tax Services, Retirement Planning, Social Security and Medicare Planning (including IRMAA Certified Planner™ services), Estate Planning, Asset Management, Protection Planning, and Business Planning, plus specialized service lines for working professionals and executives, women, business owners, and Hispanic communities. Investment advisory services are delivered through Prosperity Capital Advisors, an SEC registered investment adviser, providing institutional technology, fiduciary compliance, and portfolio management infrastructure. The product set is offered in English and Spanish via a community-led distribution model that includes bilingual workshops, Latina 100.3 FM on-air sessions, and church and cultural event outreach.

Revenue is generated through four primary streams: fee-based investment advisory services (subscription/recurring) routed through Prosperity Capital Advisors, commission-based fixed insurance products (life, annuities, disability, long-term care, Medicare supplements) via the wholly owned Lifetime Insurance Group, project-based tax preparation services (basic personal returns starting at $199), and professional financial planning services. Target customer segments are primary retail HNW and mass-affluent individuals, specifically retirees and pre-retirees, working professionals and executives earning $250K+, business owners and entrepreneurs, women navigating financial independence, and Hispanic individuals and families in Rhode Island and Florida. Customer acquisition blends a consultative, education-led sales motion (complimentary discovery meetings, strategy presentations, annual reviews) with content marketing through blog, webinars, video, and earned media placements.

Name

Lifetime Advisors Group

Legal name

Lifetime Advisors Group, LLC

Website

https://lifetimeadvisorsgroup.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Lifetime Advisors Group is a privately held, boutique wealth management firm founded in 1998 in North Kingstown, Rhode Island, serving retirees, professionals, business owners, women, and Hispanic families through integrated financial planning, tax, retirement, and estate services delivered via its proprietary Bucket Plan® methodology under Prosperity Capital Advisors' RIA affiliation.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Life Insurance (6311)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Financial planning services
• Retirement income planning
• Wealth management advisory
• Tax preparation services
• Estate planning services

Headquarters

HQ city

North Kingstown

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: Fee-based investment advisory services provided through Prosperity Capital Advisors (SEC registered RIA). Clients receive personalized financial advice and portfolio management acting in client's best interest (fiduciary standard).
2. Insurance Products: Commission-based revenue from fixed insurance products including life insurance, annuities, disability insurance, long-term care insurance, and Medicare supplements. Gayle Jendzejec is a licensed insurance agent receiving normal and customary commissions.
3. Tax Preparation Services: Tax return preparation services headed by John Woodard, CPA. Basic Personal Return starts at $199 with business return fees offering potential 25% savings.
4. Financial Planning Services: Comprehensive financial planning including retirement income strategies, estate planning, IRA legacy planning, college funding, and debt management.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

Lifetime Advisors Group is a boutique financial advisory firm that delivers holistic wealth management services including comprehensive financial planning, retirement income strategies, tax preparation and planning, estate planning, asset management, and protection/risk management. The firm operates through a proprietary Bucket Plan® methodology that coordinates financial, tax, insurance, and estate decisions under one integrated framework, delivered through its affiliation with Prosperity Capital Advisors (SEC registered RIA).

Product overview

Lifetime Advisors Group offers a comprehensive suite of financial advisory services built around their proprietary Bucket Plan methodology. The firm operates as an integrated financial planning practice offering core services including Financial Planning, Tax Services (preparation, planning, and management), Retirement Planning, Social Security and Medicare Planning, Estate Planning, Asset Management, and Protection Planning. Additional specialized services target Working Professionals and Executives, Women, Business Owners, and Hispanic Communities. The Bucket Plan serves as the central framework that coordinates all financial aspects—investments, taxes, insurance, and estate planning—into a unified strategy. Services are delivered through the firm's affiliation with Prosperity Capital Advisors (SEC registered investment adviser) providing institutional-grade investment capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning services including retirement income strategies, goal setting, cash flow optimization, and major purchase planning for individual clients and families.
• Tax Services Tax trilogy including tax preparation, tax planning, and tax management services designed to minimize current and lifetime tax liability for individuals and business owners.
• Retirement Planning Comprehensive retirement planning services including income strategies, Social Security optimization, and The Bucket Plan methodology for retirement income distribution.
• Social Security and Medicare Planning Coordination of Social Security benefits with overall retirement planning, including IRMAA certification for Medicare premium optimization and income-related surcharge management.
• Estate Planning Estate planning services including wills, trusts, powers of attorney, beneficiary designations, and legacy planning strategies for individuals and families.
• Asset Management Custom portfolio design and tax-efficient investment management services including access to institutional-grade investments and alternative investments through Prosperity Capital Advisors.
• The Bucket Plan® Proprietary holistic wealth management methodology that time-segments investments into Now, Soon, and Later buckets to coordinate financial life aspects, mitigate sequence-of-returns risk, and maximize wealth across retirement.
• Protection Planning Risk management services including insurance analysis, life insurance, long-term care planning, disability income insurance, and asset protection strategies for individuals.
• Business Planning Services for business owners including growth strategies, risk mitigation, exit planning, succession planning, and the Entrepreneurial Value Framework.

Quantifiable outcome

• Social Security optimization can add hundreds of thousands of dollars to lifetime benefits through strategic claiming decisions
• +1 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves6 records

Expansion highlights12 records

Broad incumbents

• Savant Wealth Management: Mid-sized independent RIA offering financial planning, investment management, tax, and retirement services to individuals and business owners. Provides a similar integrated advisor/CPA mix to Lifetime Advisors.
• Edelman Financial Engines: Large hybrid advisory combining financial planning with retirement plan services. Targets similar affluent pre-retiree and retiree segments as Lifetime Advisors but with national scope and employer-sponsored plan integration.
• Captrust: Large multi-discipline RIA offering financial planning, investment advisory, tax, and retirement plan services to high-net-worth individuals and institutions. Directly comparable business model (planning-led, holistic, multi-pillar) but at substantially greater scale.
• Mariner Wealth Advisors: National wealth advisor offering financial planning, investment advisory, tax, retirement plan, and estate services. Targets similar affluent and business-owner segments with a holistic, planning-led model.
• Creative Planning: Large independent RIA providing comprehensive financial planning, tax, estate, and investment management to high-net-worth clients. Strong methodological overlap with Lifetime's planning-led approach, but with national scale and significantly more headcount.
• Sequoia Financial Group: Independent advisory firm offering wealth management, tax planning, and retirement plan services to affluent clients. Comparable in offering a coordinated planning-led model with in-house tax expertise.
• Carson Group: National network of financial advisors providing wealth management, tax, and business consulting services through an RIA platform. Comparable holistic model with support services for affiliated advisors, but operates at much larger scale.

Direct peers

• Modera Wealth Management: Fee-only RIA delivering comprehensive financial planning, investment management, and tax services to households and small business owners. Closely aligned with Lifetime's planning-led, retirement-focused value proposition.
• Buckingham Wealth Partners: Planning-led RIA focused on comprehensive wealth management for retirees and pre-retirees including tax, estate, and investment services. Closely mirrors Lifetime Advisors' holistic planning model and target client base.

Emerging players

• Facet Wealth: Tech-enabled financial planning firm offering holistic advice to mass-affluent clients remotely. Competes with Lifetime Advisors for the same financially complex client seeking coordinated planning, but at a lower price point and via a digital delivery model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/LifetimeAdvisorsGroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries5 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 Lifetime Advisors Group