LifeGuide Financial Advisors provides financial planning, portfolio management for individuals and small businesses, education planning, insurance, and tax planning. Financial planning was provided to 794 clients last fiscal year.
LifeGuide Financial Advisors reports 778 clients. They include 616 individual clients, 150 high-net-worth individuals and 12 charitable organizations. Of its assets, 99.6% ($561M across 2,684 accounts) are managed with discretion; $2.17M across 31 accounts are not. A wrap fee program the firm both sponsors and manages holds $470M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 79% | 37% |
| High-net-worth individuals | 19% | 61% |
| Charitable organizations | 2% | 2% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 616 | $208M | 37.0% | $338K |
| High-net-worth individuals | 150 | $342M | 60.8% | $2.28M |
| Charitable organizations | 12 | $8.83M | 1.6% | $736K |
| Corporations and other businesses | Fewer than 5 | $3.99M | 0.7% | — |
| Total | 778 | $563M | 100% | — |
- Clients
- 616
- Regulatory AUM
- $208M
- AUM share
- 37.0%
- Avg. per client
- $338K
- Clients
- 150
- Regulatory AUM
- $342M
- AUM share
- 60.8%
- Avg. per client
- $2.28M
- Clients
- 12
- Regulatory AUM
- $8.83M
- AUM share
- 1.6%
- Avg. per client
- $736K
- Clients
- Fewer than 5
- Regulatory AUM
- $3.99M
- AUM share
- 0.7%
- Avg. per client
- —
Total
- Clients
- 778
- Regulatory AUM
- $563M
- 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
- 794
LifeGuide Financial Advisors charges 0.37%–1.60% a year for its Fee on assets under direct management. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $1,800 annual minimum. The brochure also prices 4 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$100K | 1.60% |
| $100K–$500K | 1.30% |
| $500K–$1M | 0.93% |
| $1M–$5M | 0.60% |
| $5M and above | 0.37% |
Fee details and sources
Other fees
- Essentials initial plan fee
- Essentials and Essentials+ programs carry a one-time fixed initial fee of up to $10,000 for the financial plan, which may be negotiable or waived.
- Hourly financial advice
- Advice beyond the annual review is charged hourly in addition to the asset fee, at a rate of up to $800 per hour, agreed before the work is performed.
- LifeGuide Hourly program
- The LifeGuide Hourly program has a one-time initial project fee of up to $50,000 for the Financial LifePlan, then hourly services at up to $800 per hour.
- Project financial plan
- A project-based financial plan beyond the annual review is quoted before the work and charged at a project fee of up to $20,000.
Douglas Denlinger owns 50% to 75% of LifeGuide Financial Advisors. The leadership team of LifeGuide Financial Advisors includes Chief Compliance Officer David Lutz. It has 25 employees, 16 of them in advisory roles.
Leadership
- David LutzManaging Member and Chief Compliance Officer
- Douglas DenlingerManaging Member
- Brien LasseManaging Member
- Derek MosleyManaging Member
Investment adviser representatives
16 representatives listed in the SEC register as of 9 October 2026.
Staff
- 25 employees
- 16 in advisory functions
- 16 state-registered reps
- 4 soliciting firms
- Owns 50% to 75% of Lifeguide Financial Advisors, LLC
Douglas Denlinger
Control person · since January 2014
- Owns 25% to 50% of Lifeguide Financial Advisors, LLC
David Lutz
Control person · since January 2014
- Owns 5% to 10% of Lifeguide Financial Advisors, LLC
Derek Mosley
Control person · since January 2022
- Owns 5% to 10% of Lifeguide Financial Advisors, LLC
Brien Lasse
Control person · since January 2024
LifeGuide Financial Advisors’ regulatory assets grew 2.1× from $268M (April 2021) to $563M (September 2026); clients rose from 703 to 778 and employees from 17 to 25.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $563M | 778 | 25 | 3 |
| June 2025 | $456M | 736 | 25 | 3 |
| July 2024 | $373M | 672 | 17 | 2 |
| August 2023 | $315M | 854 | 21 | 2 |
| March 2022 | $342M | 796 | 17 | 2 |
| April 2021 | $268M | 703 | 17 | 2 |
Besides its headquarters, LifeGuide Financial Advisors has 2 offices, with 3 listed addresses in Pennsylvania.
Pennsylvania · 3 listed addresses
- 400 W Main St., MechanicsburgHQ
- 1013 West Main Street, Mount Joy
- 2011 W. Trindle Road, Carlisle
Contact and registration details
- Legal name
- Lifeguide Financial Advisors, LLC
- Headquarters
- 400 W Main St., Mechanicsburg, PA 17055
- Website
- lifeguidefa.com
- Phone
- 717-796-1700
- @lifeguidefa
- SEC file
- 801-108442
- Founded
- 2013
- Structure
- Pennsylvania LLC
- Fiscal year end
- December
LifeGuide Financial Advisors uses Charles Schwab ($541M) as custodian for its separately managed accounts. LifeGuide Financial Advisors has custody of $248M in client assets for 476 clients.
- Charles SchwabCharles Schwab & Co., Inc. · New York, NY · $541M100%
At year end, LifeGuide Financial Advisors’ separately managed accounts were mostly in stocks (54%) and funds (41%). Its reported 13F holdings for the quarter ended 30 June 2026 total $351M across 47 positions; the largest are Dimensional ETF Trust (21.4%), Schwab Strategic TR (15.6%) and iShares TR (13.6%).
What the accounts hold
- Stocks54%
- Funds41%
- Cash4%
- Other1%
- Variable annuities1%
Reported 13F holdings
- $351M
- Reported 13F value
- 47
- Positions
- 86.3%
- In the 10 largest
- +12.3%
- Value vs. prior quarter
- Dimensional ETF Trust · Global Real Est21.4%
- Schwab Strategic TR · US Tips ETF15.6%
- iShares TR · 7-10 YR Trsy BD13.6%
- Dimensional ETF Trust · US Cor Equ 2 ETF9.8%
- Vanguard World FD · Esg US Stk ETF6.1%
- Vanguard Index Fds · Total Stk Mkt5.5%
- Dimensional ETF Trust · Intl Core Equity5.3%
- Vanguard World FD · Esg Intl Stk ETF4.7%
- Vanguard Tax-managed Fds · Van FTSE Dev Mkt2.4%
- Dimensional ETF Trust · Emerging Mkts CO1.9%
Together, the ten largest are 86.3% of reported value.
How many clients does LifeGuide Financial Advisors have?
LifeGuide Financial Advisors has 778 clients and manages $563 million for them, as of September 2026. They include 616 individual clients, 150 high-net-worth individuals and 12 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 28 September 2026
What services does LifeGuide Financial Advisors offer?
LifeGuide Financial Advisors provides financial planning, portfolio management for individuals and small businesses, education planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does LifeGuide Financial Advisors charge?
LifeGuide Financial Advisors charges 0.37%–1.60% a year for its Fee on assets under direct management. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $1,800 annual minimum.
Which custodians does LifeGuide Financial Advisors use?
LifeGuide Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (New York, NY), with $541M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 28 September 2026
How many financial advisors does LifeGuide Financial Advisors have?
LifeGuide Financial Advisors has 16 investment adviser representatives registered with state securities authorities, out of 25 employees, and 16 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 LifeGuide Financial Advisors invest in?
At the end of its last fiscal year, LifeGuide Financial Advisors’ separately managed accounts held 54% exchange-traded equities, 41% registered funds (mutual funds, ETFs, BDCs), 4% cash and equivalents and 1% other. The 1% other category is described as: Variable Annuities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns LifeGuide Financial Advisors?
LifeGuide Financial Advisors’ direct owners are David Lutz (25% to 50%), Douglas Denlinger (50% to 75%), Derek Mosley (5% to 10%) and Brien Lasse (5% to 10%).
Source: Form ADV Part 1A, Schedules A and B, filed 28 September 2026
How does LifeGuide Financial Advisors get paid?
LifeGuide Financial Advisors is paid through a percentage of assets under management, hourly charges and 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 LifeGuide Financial Advisors registered with the SEC?
Yes, LifeGuide Financial Advisors has been registered with the SEC as an investment adviser since 28 September 2016. Its CRD number is 284842 and its SEC file number is 801-108442.
Source: Form ADV Part 1A, Item 1, filed 28 September 2026; IAPD firm record
How do I contact LifeGuide Financial Advisors?
LifeGuide Financial Advisors’ main office is at 400 W Main St., Mechanicsburg, PA 17055. Its phone number is 717-796-1700. Its website is lifeguidefa.com.