{"url":"https://nivawealth.com/firms/lifecycle-financial-planners-290250","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/290250","regulatoryAum":671730432,"crd":"290250","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5015917","suffix":null,"lastName":"KULEK","firstName":"JENNIFER","middleName":"MICHELLE"},{"crd":"5837816","suffix":null,"lastName":"LANDY","firstName":"PAMELA","middleName":"Sue"},{"crd":"6459433","suffix":null,"lastName":"SCENGA","firstName":"MELISSA","middleName":"ROSE"},{"crd":"2576230","suffix":"MR","lastName":"SMITH","firstName":"SCOTT","middleName":"CULVER"}],"total":4,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-16","regulatoryAum":521145888,"clients":159,"employees":10,"offices":1},{"filedOn":"2022-03-12","regulatoryAum":590827172,"clients":164,"employees":10,"offices":1},{"filedOn":"2023-03-20","regulatoryAum":535722941,"clients":165,"employees":10,"offices":1},{"filedOn":"2024-03-20","regulatoryAum":612045628,"clients":172,"employees":9,"offices":1},{"filedOn":"2025-03-16","regulatoryAum":626400267,"clients":185,"employees":9,"offices":1},{"filedOn":"2026-03-23","regulatoryAum":671730432,"clients":171,"employees":9,"offices":1}],"acquisitions":[{"date":"2018-03-30","datePrecision":"day","name":"Cambridge Connection","crd":"112086","source":"adv_w","dealType":"acquisition","sellerAum":null,"sellerAumDate":null,"sourceUrl":"https://adviserinfo.sec.gov/firm/summary/112086"}],"secFileNumber":"801-112138","legalName":"Lifecycle Financial Planners Inc.","displayName":"Lifecycle Financial Planners","slug":"lifecycle-financial-planners-290250","website":"https://mylifecycleplanners.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2017","organization":"Michigan corporation","fiscalYearEnd":"December","headquarters":{"street":"40950 Woodward Avenue, Suite 140","city":"Bloomfield Hills","state":"MI","stateName":"Michigan","country":"United States","postalCode":"48304"},"tradeNames":[],"registration":{"secApproved":"12 December 2017","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":3919999.727810651,"staff":{"employees":9,"advisory":9,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":671730432,"discretionary":475204838,"discretionaryAccounts":1782,"nonDiscretionary":196525594,"nonDiscretionaryAccounts":1283,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":117,"regulatoryAum":347880376},{"label":"High-net-worth individuals","clients":52,"regulatoryAum":314599578},{"label":"Charitable organizations","clients":2,"fewerThan5":true,"regulatoryAum":9250478}],"feePrograms":[{"role":"other","program":"CORE Retainers","summary":"CORE Wealth Building retainers run $10,000 to $50,000; CORE Wealth Management retainers run $20,000 to $200,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023434","versionId":1023434,"submittedOn":"2026-03-23","documentName":"ADV PART 2A-LIFECYCLE FINANCIAL PLANNERS INC."},{"role":"other","program":"Financial Assessment","summary":"Financial assessment fee of $1,850 to $2,850, half payable on submission of materials and half at the meeting; nonrefundable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023434","versionId":1023434,"submittedOn":"2026-03-23","documentName":"ADV PART 2A-LIFECYCLE FINANCIAL PLANNERS INC."},{"role":"other","program":"Limited and Project Retainers","summary":"Financial life transition retainers $10,000 to $50,000; intergenerational retainers $5,000 to $10,000; project retainers $5,500 to $10,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023434","versionId":1023434,"submittedOn":"2026-03-23","documentName":"ADV PART 2A-LIFECYCLE FINANCIAL PLANNERS INC."}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T07:26:54.368732+00:00","documents":[{"name":"ADV PART 2A-LIFECYCLE FINANCIAL PLANNERS INC.","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023434","versionId":1023434,"submittedOn":"2026-03-23"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":475204837}],"custodyNote":"Lifecycle Financial Planners does not have custody of client assets.","leadership":[{"name":"Samuel Chow","title":"Chief Compliance Officer","crd":"6880516"},{"name":"Melissa Scenga","title":"Shareholder","crd":"6459433"},{"name":"Pamela Landy","title":"Shareholder","crd":"5837816"}],"ownership":[{"label":"Melissa Scenga","detail":"Shareholder in the 25% to 50% ownership band and a control person, since September 2017."},{"label":"Pamela Landy","detail":"Shareholder in the 50% to 75% ownership band and a control person, since September 2017."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Michigan","offices":1,"addresses":[{"street":"40950 Woodward Avenue, Suite 140","city":"Bloomfield Hills","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","tax planning","tax preparation"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"248-737-7090","stateRegisteredReps":9,"otherAdviserReps":0,"compensation":["Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Other"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":14},{"label":"U.S. government/agency bonds","percent":38},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":29},{"label":"Cash and cash equivalents","percent":17}],"privateFunds":0},"sources":{"adv1FilingDate":"23 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/290250/PDF/290250.pdf","brochureDate":"23 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023434","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Lifecycle Financial Planners have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Lifecycle Financial Planners offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Lifecycle Financial Planners use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Lifecycle Financial Planners have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Lifecycle Financial Planners invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Lifecycle Financial Planners?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Lifecycle Financial Planners get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Lifecycle Financial Planners registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Lifecycle Financial Planners?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 23 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}