Lifecycle Financial Planners provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, tax planning, and tax preparation. Financial planning was provided to 101–250 clients last fiscal year.
Lifecycle Financial Planners reports 171 clients. They include 117 individual clients, 52 high-net-worth individuals and 2 charitable organizations. Of its assets, 70.7% ($475M across 1,782 accounts) are managed with discretion; $197M across 1,283 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 68% | 52% |
| High-net-worth individuals | 30% | 47% |
| Charitable organizations | 1% | 1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 117 | $348M | 51.8% | $2.97M |
| High-net-worth individuals | 52 | $315M | 46.8% | $6.05M |
| Charitable organizations | Fewer than 5 | $9.25M | 1.4% | $4.63M |
| Total | 171 | $672M | 100% | — |
- Clients
- 117
- Regulatory AUM
- $348M
- AUM share
- 51.8%
- Avg. per client
- $2.97M
- Clients
- 52
- Regulatory AUM
- $315M
- AUM share
- 46.8%
- Avg. per client
- $6.05M
- Clients
- Fewer than 5
- Regulatory AUM
- $9.25M
- AUM share
- 1.4%
- Avg. per client
- $4.63M
Total
- Clients
- 171
- Regulatory AUM
- $672M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Lifecycle Financial Planners is paid through fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- CORE Retainers
- CORE Wealth Building retainers run $10,000 to $50,000; CORE Wealth Management retainers run $20,000 to $200,000.
- Financial Assessment
- Financial assessment fee of $1,850 to $2,850, half payable on submission of materials and half at the meeting; nonrefundable.
- Limited and Project Retainers
- Financial life transition retainers $10,000 to $50,000; intergenerational retainers $5,000 to $10,000; project retainers $5,500 to $10,000.
Pamela Landy owns 50% to 75% of Lifecycle Financial Planners. The leadership team of Lifecycle Financial Planners includes Chief Compliance Officer Samuel Chow. It has 9 employees.
Leadership
- Samuel ChowChief Compliance Officer
- Melissa ScengaShareholder
- Pamela LandyShareholder
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 9 employees
- 9 in advisory functions
- 9 state-registered reps
- Owns 50% to 75% of Lifecycle Financial Planners Inc.
Pamela Landy
Control person · since September 2017
- Owns 25% to 50% of Lifecycle Financial Planners Inc.
Melissa Scenga
Control person · since September 2017
Lifecycle Financial Planners’ regulatory assets grew from $521M (March 2021) to $672M (March 2026); clients rose from 159 to 171 and employees fell from 10 to 9. In 2018, Cambridge Connection joined it.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $672M | 171 | 9 | 1 |
| March 2025 | $626M | 185 | 9 | 1 |
| March 2024 | $612M | 172 | 9 | 1 |
| March 2023 | $536M | 165 | 10 | 1 |
| March 2022 | $591M | 164 | 10 | 1 |
| March 2021 | $521M | 159 | 10 | 1 |
Firms that joined
20181 joined
- Cambridge ConnectionNo filed AUM
Firms whose SEC withdrawal reports a sale to this firm, and deals reported in the press. Teams that moved without selling a registered firm may not appear.
Besides its headquarters, Lifecycle Financial Planners has 0 offices, with 1 listed address in Michigan.
Michigan · 1 listed address
- 40950 Woodward Avenue, Suite 140, Bloomfield HillsHQ
Contact and registration details
- Legal name
- Lifecycle Financial Planners Inc.
- Headquarters
- 40950 Woodward Avenue, Suite 140, Bloomfield Hills, MI 48304
- Website
- mylifecycleplanners.com
- Phone
- 248-737-7090
- SEC file
- 801-112138
- Founded
- 2017
- Structure
- Michigan corporation
- Fiscal year end
- December
Lifecycle Financial Planners uses Charles Schwab ($475M) as custodian for its separately managed accounts. Lifecycle Financial Planners does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $475M100%
At year end, Lifecycle Financial Planners’ separately managed accounts were largely in bonds (40%) and funds (29%).
What the accounts hold
- Stocks14%
- Funds29%
- Bonds40%
- U.S. government and agency bonds38%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash17%
How many clients does Lifecycle Financial Planners have?
Lifecycle Financial Planners has 171 clients and manages $672 million for them, as of March 2026. They include 117 individual clients, 52 high-net-worth individuals and 2 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 March 2026
What services does Lifecycle Financial Planners offer?
Lifecycle Financial Planners provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Lifecycle Financial Planners use?
Lifecycle Financial Planners’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $475M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 March 2026
How many financial advisors does Lifecycle Financial Planners have?
Lifecycle Financial Planners has 9 investment adviser representatives registered with state securities authorities, out of 9 employees, and 9 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Lifecycle Financial Planners invest in?
At the end of its last fiscal year, Lifecycle Financial Planners’ separately managed accounts held 38% U.S. government and agency bonds, 29% registered funds (mutual funds, ETFs, BDCs), 17% cash and equivalents, 14% exchange-traded equities, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Lifecycle Financial Planners?
Lifecycle Financial Planners’ direct owners are Melissa Scenga (25% to 50%) and Pamela Landy (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 23 March 2026
How does Lifecycle Financial Planners get paid?
Lifecycle Financial Planners is paid through fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Lifecycle Financial Planners registered with the SEC?
Yes, Lifecycle Financial Planners has been registered with the SEC as an investment adviser since 12 December 2017. Its CRD number is 290250 and its SEC file number is 801-112138.
Source: Form ADV Part 1A, Item 1, filed 23 March 2026; IAPD firm record
How do I contact Lifecycle Financial Planners?
Lifecycle Financial Planners’ main office is at 40950 Woodward Avenue, Suite 140, Bloomfield Hills, MI 48304. Its phone number is 248-737-7090. Its website is mylifecycleplanners.com.