Financial Life Planning, LLC

What Financial Life Planning, LLC does

Financial Life Planning, LLC is a privately held, fee-only Registered Investment Advisory (RIA) firm headquartered in Marlton, New Jersey, operating as an Independent Client Fiduciary. Founded by Edward C. Goldstein, CFP, MBA, who serves as President, the firm delivers comprehensive financial planning, investment management, insurance planning, and small business benefits advisory services to individuals, families, and small business owners, primarily in the South Jersey and Greater Philadelphia region with capability to serve clients nationally. Its core offering is built around a comprehensive financial planning engagement that produces a personalized visual blueprint covering net worth, cash flow, savings, and goals, supported by a retirement planning tool that runs Monte Carlo simulations for probability-of-success calculations and 'what if' scenario testing.

The firm's service menu extends across the financial life cycle, including retirement distribution strategies, Social Security optimization, Roth conversions, IRA rollovers, college planning (529, UGMA/UTMA, Roth IRAs), estate planning, life and disability insurance needs analysis, long-term care planning, Medicare/Medicaid guidance, and small business retirement plan design (SEP, SIMPLE, 401(k), defined benefit). Distribution is conducted through direct advisory relationships via free in-person and virtual consultations, supported by an active content marketing program (50+ blog articles) and a custodial platform relationship with Charles Schwab. The firm is fee-only with no disclosed pricing, operating under a likely AUM-based or flat-fee advisory model, with no external funding, acquisitions, or institutional backing disclosed.

Name

Financial Life Planning, LLC

Legal name

Financial Life Planning, LLC

Website

https://flplanning.net

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Fee-only, fiduciary Registered Investment Advisory firm in Marlton, NJ, providing comprehensive financial planning, investment management, insurance, and small business benefits advisory services to individuals, families, and small business owners in South Jersey and Greater Philadelphia.

Ownership category

akta.pro rank

Product category

Financial Advisory and Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Financial Planning–Led RIAs (FSAAACAB)

Keywords

• Financial planning services
• Investment management
• Retirement planning advisory
• Wealth management firm
• Small business retirement plans

Headquarters

HQ city

Marlton

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, Infrastructure

Revenue model

1. Fee-Only Financial Planning and Investment Advisory: The firm operates as a fee-only Registered Investment Advisory (RIA) firm providing comprehensive financial planning, investment management, and wealth management services. Revenue is generated through advisory fees, likely based on assets under management (AUM) or flat-fee planning engagements. The firm is described as an Independent Client Fiduciary, indicating fee-only compensation without product commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Financial Life Planning, LLC operates as a fee-only Registered Investment Advisory firm providing comprehensive financial planning, investment management, insurance planning, and small business benefits advisory services. The firm delivers personalized client financial roadmaps using sophisticated retirement planning tools with Monte Carlo simulations, scenario testing, and visual blueprints covering net worth, cash flow, savings, and goals. Services are offered on a fiduciary basis to individuals, families, and small business owners.

Product overview

Financial Life Planning, LLC offers a unified suite of fee-only fiduciary financial advisory services centered on comprehensive financial planning. The core offering integrates Comprehensive Financial Planning with Investment Management, Insurance Planning, and Small Business Benefits and Support services. The firm delivers personalized client financial roadmaps using sophisticated retirement planning tools, organized into visual blueprints covering net worth, cash flow, savings, and goals. Supporting service sub-categories include Retirement Planning (with IRA rollover and distribution guidance), College Planning, Wills and Estates, Medicare/Medicaid Planning, and Long-Term Care Planning. Small business clients can access retirement plan design services covering SEP IRAs, SIMPLE IRAs, 401(k)s, and defined benefit plans. Clients receive a comprehensive sample financial planning report as a representative deliverable.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Approximately $315,000 needed for average 65-year-old couple's medical expenses in retirement (excluding long-term care), based on cited Fidelity research
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators3 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• XY Planning Network: Network of fee-only financial advisors serving mass-affluent and pre-retiree clients with comprehensive financial planning on a recurring or flat-fee basis — same business model and client segment as Financial Life Planning.
• Garrett Planning Network: Nationwide network of fee-only hourly and retainer financial planners serving individuals and families — directly comparable fee-only fiduciary planning model and client base.
• Facet Wealth: Tech-enabled fee-only financial planning firm providing comprehensive advice to mass-affluent and pre-retiree clients via CFP® professionals — direct competitor in the fee-only planning category.

Broad incumbents

• Edelman Financial Engines: Largest independent RIA in the US providing financial planning and investment management to individuals and retirement plan participants — broader portfolio with overlapping planning capabilities.
• Carson Wealth: RIA platform and wealth management firm offering comprehensive financial planning and investment services to individuals, families, and business owners — operates a broader ecosystem with comparable offering.
• Schwab Intelligent Portfolios: Charles Schwab's automated and hybrid advisory service — relevant incumbent given the firm's existing Schwab custodial relationship and overlapping target client.
• Personal Capital (Empower): Hybrid digital wealth manager combining robo-advisor tools with human CFP® advisors targeting mass-affluent and pre-retiree investors — competes for the same demographic with stronger technology stack.
• Creative Planning: Large fee-only RIA offering comprehensive financial planning, investment management, and wealth services to individuals and small business owners — broader scale but overlapping service model.

Regional players

• Brown Wealth Management: Fee-only RIA in the Mid-Atlantic region offering comprehensive financial planning and investment management to individuals and small business owners — regional comparable in the South Jersey / Philadelphia corridor.

Emerging players

• Betterment: Leading robo-advisor and hybrid planning platform targeting mass-affluent and pre-retiree investors with low-fee automated advice — emerging threat in the same client segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/financial-life-planning-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Life Planning, LLC