Fee-Only Financial Advisors in Tucson, Arizona

That's the first question we answer together. During the Deep Dive, we gather your full financial picture and model your retirement income from all sources, including Social Security, pensions, investments, and rental income, against your actual spending needs.

The gap analysis shows you exactly where you stand. Most people who come in worried about this find out the answer isn't a simple yes or no.

It's usually "yes, if we coordinate these three things correctly." That's what the plan is for.

This is one of the most important reasons to have a coordinated plan. Your Life Plan 360 documents everything so that a surviving spouse is never starting from zero: where the accounts are, how income works, who to call, and what to do.

We are education first, so you will always know the why behind what we are doing. We include both partners in the planning process from the beginning, even if one person has historically managed the money. You can rest easy knowing they will have a trusted partner to walk them through the rest of their retirement.

The plan should work for both of you, not just the one that handles the finances.

We built a structured planning system called Life Plan 360 that's tailored to your life stage, not a generic one-size-fits-all plan. We're fee-only, which means zero commissions and zero product sales.

Chad and Ananda both teach The Retirement Readiness Academy at OLLI-UA, the Osher Lifelong Learning Institute at the University of Arizona. Chad holds a master's in financial planning and a graduate certificate in Advanced Financial Planning from Kansas State University.

Most firms manage investments and call it planning. We coordinate tax strategy, Social Security, estate, risk, and investments into one system and then actually implement it with you.

It starts with a 15-minute Get Acquainted Call to see if there's mutual fit. No pressure, no pitch. If we're aligned, you move into the Discovery Meeting where we explore your goals, values, and concerns and complete your Success Habits Scorecard together.

From there, the Deep Dive organizes your entire financial life into one clear picture: accounts, tax returns, insurance policies, estate documents, and benefits. Most clients tell us this is the first time everything has been in one place. The Plan Presentation then walks you through your personalized Life Plan 360 with specific action steps, tax strategies, and a prioritized implementation roadmap.

At Day 60, your Progress Check confirms everything landed. Then you move into our ongoing Spring and Fall review cadence, customized to your life stage. Spring reviews focus on life changes, goal updates, and portfolio rebalancing. Fall reviews focus on year-end tax strategies, Roth conversions, and setting up the next calendar year.

It's actually the highest-leverage window you have. The 5 to 10 years before retirement is when Roth conversion opportunities are widest, Social Security timing decisions lock in, and healthcare bridge strategies need to be built.

Once you retire, many of those windows close permanently.

The clients who get the most out of Life Plan 360 are the ones who start before they're forced to make decisions under pressure.

Yes, and we prefer it. Your CPA and attorney know your history. What's usually missing is someone coordinating between all of them.

We work directly with your existing professionals to make sure tax strategy, estate documents, investment decisions, and insurance coverage are all pointing in the same direction.

If you don't have a CPA or attorney, we'll help you find one.

Our Standard pricing model is based on assets under management: 1.00% on the first $1.5 million, stepping down from there. That's your all-in price for a tailored Life Plan 360, investment management, tax strategy, and ongoing reviews.

No additional planning costs, no transaction charges, no hidden surprises.

For clients below $500,000, our Hybrid pricing model combines a 0.30% annual investment management rate along with a $300/month for comprehensive financial planning.

No. We are legally structured as a fee-only registered investment adviser. Zero commissions. Zero product sales. Zero revenue from anything other than the advisory fee on our pricing page.

If you need insurance, we'll help you think through how much coverage makes sense for your situation and connect you with a trusted partner to purchase it.

We keep the planning and the product completely separate. That's how we stay on your side of the table.

We get this question and we respect it. Life Strategy Partners is a registered investment adviser with an independent custodian. Charles Schwab and/or Altruist holds your assets, not us. If we closed tomorrow, your money doesn't move.

Between us, we hold four advanced designations that less than 1% of advisors carry together: Certified Financial Planner (CFP) for comprehensive planning, Retirement Income Certified Professional (RICP) for tax-efficient retirement income planning, Accredited Estate Planner (AEP) to make sure your assets transition properly to the people you care about, and Registered Social Security Analyst (RSSA) to make sure you're claiming Social Security the right way.

Chad pursued the RICP, AEP, and RSSA specifically because the pre-retirement and retirement life stages are where the most expensive mistakes happen.

Chad holds a master's degree in financial planning and a graduate certificate in Advanced Financial Planning. Chad and Ananda both teach The Retirement Readiness Academy at OLLI-UA, the Osher Lifelong Learning Institute at the University of Arizona.

We're in our early 40s, which means we'll be managing your plan through retirement, not retiring ourselves in five years. Nearly 40% of advisors nationwide are expected to retire within the next decade.

Will your advisor be around when you need them most?

Our office is in Tucson at 6340 N. Campbell Ave., and most of our clients are in the Tucson metro area, Green Valley, Oro Valley, and Marana.

We also serve clients across Arizona and nationwide through virtual meetings.

Whether you're local or out of state, the Life Plan 360 process works the same way.