We help you plan a better future.

No matter what your goals are, our expert advisors are here to guide you in making wise financial decisions so you can lead your life with confidence.

The Lifeworks innovation

We developed the first liability-driven wealth management system that fixes the flawed traditional approach to financial planning and investing.

Financial planning

Your team of advisors will work with you to develop a durable financial plan grounded in your values and vision. Your financial plan drives the creation and dynamic management of your investment strategy.

Personalized investments

Our revolutionary investment system designs a personalized portfolio optimized for achieving your financial plan. We utilize factor investing, smart beta, and hedging techniques to provide true diversification and downside protection.

Seamless technology

Our in-house technology makes personalized financial planning and investing accessible for everyone. It also eliminates unnecessary fund fees and helps capture tax-loss harvesting opportunities.

Ultra-high-net-worth level services, regardless of your level of wealth

We believe everyone should have access to the best investment strategies, financial planning services, and advice.

  • Every portfolio is constructed from scratch and driven by your unique financial plan.
  • We use individual equities to reduce unnecessary fees and provide complete customization of your portfolio.
  • Our investment strategies are built on scientific research and leverage factor-based investing and smart beta techniques.
  • Every portfolio can be optimized for any asset a client already owns (public or private).
  • Every portfolio is recalibrated dynamically according to your plan’s evolutions.
  • Every portfolio is constructed from scratch and driven by your unique financial plan.
  • We use individual equities to reduce unnecessary fees and provide complete customization of your portfolio.
  • Our investment strategies are built on scientific research and leverage factor-based investing and smart beta techniques.
  • Every portfolio can be optimized for any asset a client already owns (public or private).
  • Every portfolio is recalibrated dynamically according to your plan’s evolutions.
  • Separately managed accounts allow for maximum tax efficiency, individual tax-loss harvesting, and hyper-personalization of portfolios.
  • We offer tail-risk hedging strategies that provide true downside protection as dictated by your financial plan.
  • The risk loading of your investment portfolio is dynamic and rebalanced to align with changes to your financial plan.
  • Each client has a dedicated team of financial advisors and industry specialists to help you make wise decisions with your family and financial wealth.
  • We provide estate planning and have resources to help you create an estate plan or update your current plan.
  • Integrated in-house tax planning and tax filing services are offered to clients.
  • We proudly serve as a fiduciary to each and every client we engage with.
  • We have no minimum account size requirements and work with clients at all levels of wealth.
  • We charge an all-inclusive asset management fee (wrap fee) at a fraction of the cost of traditional financial institutions. There are no hidden fees, no trade commissions, and no soft-dollar compensation arrangements with large firms.
  • We offer a simple and transparent monthly fee for our financial planning services that can be customized for your specific situation (Service Levels)

No risk scores. No model portfolios. No investment products.​

Your financial plan is the foundation and our scientific investment strategies (smart beta + factor investing + hedging strategies) are the building blocks of your personalized portfolio.

Diversified Premia

This is our core equity strategy which includes U.S. large cap stocks and combines factor investing with smart beta diversification.

Opportunity Strategy

This strategy is designed around growth factors such as innovation and momentum, while following the same methodologies as Diversified Premia.​

Quality Strategy

This strategy is designed around robust value factors such as high profitability, high payout ratios, and low volatility.

Tactical Strategy

This strategy utilizes alternative assets as safe havens during market downturns, potential value stores, or to provide downside protection.

Keep more of your money in your pocket with low fees.

We’ve been able to eliminate unnecessary fees so you can keep more of your hard earned money.

  • One low investment fee
  • No platform fees, trading fees, or commission fees.
  • Ability to earn 4.5% APY on your cash*
  • Flat-fee planning model

*The deposit sweep program is an added feature to your Lifeworks accounts held at APEX Clearing. The Annual Percentage Yield (APY) for the Cash Account may change at any time. Please refer to the Apex FDIC-Insured Sweep Program Terms & Conditions for more information on how the sweep program works and how APEX treats your uninvested cash balance.

Smart investing fueled by your financial plan

Our wealth management platform connects your financial plan with your investment strategy.

  • Collaborate with your advisor on your financial plan
  • Project your cash flow
  • Track your investments
  • and more

Let’s plan for a better future.

No matter what your goals are, we’ll help you reach them. It all starts with a complimentary intro call.

Methodology & Disclosures

Competitor
“0.65%” represents the industry median hidden costs incurred on $1M investment accounts. Client portfolios incur the blended expense ratios of the underlying investments plus, in some cases, additional platform fees to compensate a broker-dealer, turnkey asset management program (“TAMP”), custodial non-transaction-fee program (“NTF”), wrap-fee program, or others. For the median $1M investment account, the median hidden costs are thus estimated at 0.65% by a survey involving a thousand advisors and conducted by Bob Veres.1
 
Lifeworks
“0.06%” represents the hidden costs incurred on a typical $1M investment account at Lifeworks. In order to deliver the highest net returns possible, Lifeworks has built in-house technology to remove most hidden costs. Still, the typical $1M investment account at Lifeworks comprises some very low cost ETFs, for example to provide exposure to inflation-protected Treasury securities (ticker: VTIP), resulting in an additional hidden fee of 0.06% for the total portfolio.
 
Disclosures
“One low investment fee” applies to the vast majority of Lifeworks models. Some clients may hold legacy fee-bearing mutual funds and ETFs. Some clients may hold low-fee-bearing ETFs, in particular to get exposure to the fixed income asset class or alternative assets classes (precious metals, cryptocurrencies).

1 – Veres, Bob. “Inside Information 2017 Fee Survey.”