We are Registered Financial Consultants and Independent Fiduciary Advisors. We work with successful business owners, real estate investors, late-stage pre-retirees, CPA’s and attorneys, providing them with our unique and proprietary real estate integrated and self-directed financial planning, consulting and coaching systems called, The 4×4 Financial Independence Plansm.
Why We Are Different
In his book “Unshakable”, Tony Robbins describes a unique and very small sub-set of financial advisors who are called Independent Fiduciary Advisors. Tony writes that of the approximate 308,000 advisors in total, only 1% of them are Independent Fiduciary Advisors, and we at Lifetime Paradigm are proud to be one of them.
As Independent Fiduciary Advisors we are legally required to always give advice that is in our clients’ best interest. Most people assume all advisors would do this. In truth, however, it really doesn’t work that way. Instead, most advisors work for a broker-dealer and they are legally bound to put their employer’s best interest first, ahead of their clients’. Sometimes those interests align. Other times they don’t. The problem is you just don’t know.
Another potential problem with the broker-dealer model is their legal “standard” for advice, which is referred to as “suitability”. Suitability means that if the client can sustain an investment loss, then the broker-dealer’s advisor can recommend it. If the client can take the financial hit, then the broker-dealer’s representative can recommend it and if something goes wrong, the advisor cannot be sued. Again, 99% of all advisors work for a broker-dealer. Lifetime Paradigm’s advisors do not.
Another unique aspect that sets Lifetime Paradigm apart from most all other advisories is our ability and expertise to provide advice on our client’s biggest assets; their businesses and/or their real estate investments. We also provide guidance with their biggest expenses, their mortgage and their taxes. Most other advisors have little knowledge or experience in helping clients with these very important financial assets. In fact, most other advisors are prohibited from providing their clients with help in these critically important areas. At Lifetime Paradigm, incorporating our clients’ businesses and real estate assets, as well as their liabilities, into their financial plans is central to our process. This is why developed a Better, Smarter, Safer Way to help our clients achieve their financial goals. We call it The 4×4 Financial Independence Plan sm and this is how it works.
First – We believe our clients’ best interest should always come first. We accomplish this by always serving as an Independent Fiduciary Advisory, with no broker-dealer and no conflicts of interest.
Second – We help our clients manage all their assets, including their real estate and their businesses, along with their stocks, bonds and mutual funds. We also help manage our client’s liabilities, income, expenses, and, of course, their taxes.
Finally – We consult, coach, mentor and provide complete financial oversight over every aspect of our clients’ finances. We accomplish this by helping our clients form a team of financial professionals with experts in their respective disciplines. We are the experts in investment and finance and we collaborate with attorneys and CPA’s to provide additional expertise in the areas of asset protection, estate and tax planning.
“I have been doing this for over 30 years, and what I’ve found is that my best clients have one thing in common. That is, every single day they struggle because they want more. Not because they are greedy. They just want more time and more money, to do more of the things they really enjoy. They want to spend more time with the people they love and give more money to the causes they care about most. They struggle because they want less stress and more fulfillment in their busy lives and, frankly, who doesn’t?
Essentially, I’m no different. I’ve been an independent entrepreneur for most of my adult life and, over the years, I’ve been fortunate to have learned a lot through both my personal experiences and my training. So now, I teach my clients how to do the things that have helped me to improve my life, so I can help them to improve theirs.”
– Randy Luebke President, Lifetime Paradigm, Inc.