Life Well Lived Financial Group

What Life Well Lived Financial Group does

Life Well Lived Financial Group is a privately held, independent financial advisory practice founded in 1994 by Paul D. Franco and headquartered in Colorado Springs, Colorado, with a second office in Pueblo. The firm employs approximately 13 people — six financial advisors and seven support staff — and operates under a broker-dealer and registered investment adviser relationship with Osaic Wealth, Inc. and Osaic Advisory Services, LLC (member FINRA/SIPC). It serves individual investors and pre-retirees/retirees throughout the United States, with one advisor (Chuck Maher) licensed across ten states to support remote delivery via video conferencing, phone, and travel.

The firm's core offering is the Living Values Planning Process, a structured methodology organized around four quarterly visits covering Life (goals review), Wealth (portfolio analysis), Legacy (estate coordination), and Strategy (tax planning). Underlying services include wealth management, ETF-based investment management with quarterly rebalancing, retirement planning, estate planning coordination with clients' attorneys, tax planning strategies reviewed with clients' tax professionals, insurance strategy, and faith-based/socially responsible investing as an add-on. The technology stack is intentionally non-proprietary — industry-standard financial planning tools, FMG Suite website/content platform, and client account access integrations with Charles Schwab and NFS Wealthscape. Marketing is driven by an in-house Resource Center, financial calculators, and the Living Values Digest newsletter.

Revenue is generated primarily through a fee-for-service advisory model with occasional commission-based work; the firm states no hard account minimum and emphasizes pricing transparency. Distribution is direct-to-consumer and relationship-led, leveraging Forbes Best-in-State Wealth Advisors and Best-in-State Wealth Management Teams recognition (January 2024) and a fiduciary standard of care as core positioning. The firm has no venture capital or private equity backing, is independently owned, and is not pursuing rapid scale — growth is organic via advisor hiring, multi-state licensing, and a second physical location.

Name

Life Well Lived Financial Group

Legal name

Life Well Lived Financial Group

Website

https://lwlfg.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Life Well Lived Financial Group is a privately held Colorado-based independent financial advisory practice serving individual investors and pre-retirees/retirees nationwide through fee-for-service wealth management, retirement planning, and the structured Living Values Planning Process.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industry

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Wealth management services
• Financial planning advisory
• Retirement income planning
• Investment management solutions
• Estate planning coordination

Headquarters

HQ city

Colorado Springs

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, Infrastructure

Revenue model

1. Fee for Service: The firm generally uses a fee for service model. They also state there are occasional cases where a commission-based approach is a better fit. They emphasize transparency about what clients are paying and why.
2. Commission-based: Occasional cases where a commission-based approach is a better fit for client needs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Life Well Lived Financial Group is a privately held financial advisory practice that delivers comprehensive wealth management services through their proprietary Living Values Planning Process—a structured methodology built around four quarterly planning visits covering Life (goals review), Wealth (portfolio analysis), Legacy (estate planning), and Strategy (tax planning). They coordinate with clients' existing tax, legal, and financial advisors, operate under a fiduciary standard, and primarily serve individual investors and pre-retirees/retirees across the United States.

Product overview

Life Well Lived Financial Group offers a unified financial advisory service built around their Living Values Planning Process—a structured methodology featuring four quarterly planning visits covering Life, Wealth, Legacy, and Strategy pillars. Their core offering combines wealth management, investment management using low-cost ETFs with quarterly rebalancing, retirement planning, estate planning coordination, tax planning strategies, and insurance planning. Additional services include faith-based and socially responsible investing options. The firm provides clients with access to financial calculators and educational resources through their online portal, all coordinated with their Osaic-affiliated broker-dealer and advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Living Values Planning Process A structured financial planning methodology organized around four quarterly visits covering Life (goals review), Wealth (portfolio analysis), Legacy (estate planning), and Strategy (tax planning). Available to clients through the firm's Living Values Planning Process.
• Wealth Management Services Comprehensive financial advisory services including investment management, retirement planning, and portfolio management tailored to individual client goals and risk tolerance.
• Investment Management Long-term investment approach using low-cost securities such as ETFs, with quarterly strategic rebalancing and occasional tactical portfolio changes guided by research sources.
• Retirement Planning Planning services covering Social Security optimization, retirement account strategies, income planning, and distribution strategies for clients approaching or in retirement.
• Estate Planning Coordination Coordination with clients' attorneys to ensure estate plans are current, beneficiary designations reflect client wishes, and protection needs are addressed.
• Tax Planning Strategies Review and implementation of tax planning strategies in collaboration with clients' tax professionals to optimize overall tax situation.
• Insurance Strategy Analysis and recommendation of insurance strategies to protect clients and their families from financial consequences of unexpected events.
• Faith-Based and Socially Responsible Investing Investment approach that honors client values through faith-based and socially responsible investment recommendations, available as an overlay on the firm's investment management offering.
• Financial Calculators Interactive online calculators including retirement savings, IRA income, RMD estimates, mortgage comparisons, debt payoff, and other financial planning tools accessible to clients and prospects through the firm's website.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

One partnership is on record.

• Osaic Wealth, Inc.coreOthersSecurities offered through Osaic Wealth, Inc., member FINRA/SIPC. Investment Advisory services offered through Osaic Advisory Services, LLC. Osaic Wealth and Osaic Advisory are separately owned entities.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Carson Group: Partnership-based firm serving financial advisors and their clients with comprehensive wealth planning, coaching, and back-office support. Comparable community-of-advisors model and full-service financial planning approach used by independently-branded advisor practices.
• Commonwealth Financial Network: Independent broker-dealer and RIA supporting independent financial advisors with comprehensive planning practices. Direct comparable in the independent-advisor-affiliated-with-a-broker-dealer model, though Commonwealth provides more extensive advisor practice management support.
• Cetera Financial Group: Independent broker-dealer and RIA network for independent financial advisors. Direct peer given that Life Well Lived operates under Osaic Wealth (Cetera affiliate) for securities and advisory services; comparable independent advisor delivery model.
• Halbert Hargrove Global Advisors: Boutique registered investment advisor providing comprehensive financial planning, retirement, and estate planning for individuals and families. Comparable sized independent RIA with comprehensive personal planning as the core offering, though larger in headcount and AUM.

Broad incumbents

• Focus Financial Partners: RIA aggregator and partnership platform for boutique wealth management firms; partners with firms providing comprehensive financial planning including retirement, estate, tax, and investment services. Comparable service offering at the practice level, but operates as a partnership consolidator rather than a single advisory firm.
• Mercer Advisors: National RIA serving high-net-worth and mass-affluent clients with comprehensive financial planning, tax, estate, and investment management. Comparable services portfolio and client segment, but operates via a rollup model across many offices nationally versus LWLFG's single geography.
• Hightower Advisors: National RIA partnership platform serving high-net-worth individuals and families with comprehensive wealth planning. Comparable comprehensive planning, fiduciary model, and advisor-led delivery, though operating under a partner-ownership rollup structure.
• Edelman Financial Engines: Large RIA providing comprehensive financial planning, investment management, and retirement planning to individuals nationwide. Direct overlap in fiduciary, fee-based comprehensive planning services, though at materially larger scale.
• Creative Planning: Large national RIA offering comprehensive financial planning, investment management, and wealth advisory services. Comparable to Life Well Lived Financial Group along the comprehensive financial planning offering, but operates at vastly larger scale with proprietary technology and a national footprint.

Emerging players

• Facet Wealth: Digital-first financial planning firm offering flat-fee comprehensive financial planning through a hybrid advisor-tech model. Comparable fee-for-service, no-minimum comprehensive planning positioning, though delivers through a tech-enabled platform rather than fully in-person quarterly visits.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lwlfg

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Life Well Lived Financial Group