David Mathias, CFP®, MSBA
Retirement planning for people over age 50
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Lifetime Financial Advisors
David Mathias, CFP®, MSBA
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Advisor
Encinitas, CA
Serving Clients Nationwide
Retirement planning for people over age 50
Areas of Focus
- Inherited Wealth
- Investing
- Retirement Planning
- Social Security
- Taxes
About Me
Hi, I'm David Mathias, CERTIFIED FINANCIAL PLANNER™ professional.I believe financial planning is about building the life you want, with the people you love, using the time and resources you are given.
While I help many types of clients, I primarily focus on helping people prepare for and navigate retirement. There are a lot of moving pieces to retirement where I can help people make good decisions for themselves and their families. A few of these moving pieces include investing, tax planning, and retirement income planning, among many others.
Typically, a good fit to work together are individuals or couples 1 to 10 years from retirement (ages 50+), with income $250,000+, and investment portfolios of $500,000 or more. They are often looking for help managing their investments and with answering questions like, “When can we retire?” “How much income can we take from our portfolio?” and “What should we be doing now to prepare for retirement?” Most of my clients are based in California but I work with folks across the country.
If this sounds at all like you, then I invite you to book a complimentary meeting to get acquainted and learn what it is you are looking for help with.
When I’m not helping people plan for and navigate retirement, I enjoy spending time with my amazing wife, Claudia, and our young son, Benjamin. We live in North County San Diego and enjoy exploring all the area has to offer. Building a life of love, joy, and fulfillment with and for them is the purpose of my own financial plan and life’s journey.
David Mathias is a registered representative with, and securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer. Member FINRA/SIPC.
LPL Financial registered representatives may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Member FINRA/SIPC.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, and CERTIFIED FINANCIAL PLANNER™ in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Professional Designations
- CERTIFIED FINANCIAL PLANNER™ Professional
Affiliations
-
CFP Board
- Financial Planning Association
Primary Location
2210 Encinitas Blvd. Ste. C Encinitas, CA 92024
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Based
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to get started. We start with a complimentary web meeting via Zoom to learn if we are a good fit to serve your priorities, needs, and goals for your future.Offers Investment Management
Yes
About our Firm
START WHERE YOU AREFor many hardworking individuals, money management is a pressure point that causes much confusion and frustration. We have found that it doesn't matter how far along you are in your financial journey. Instead, it only matters that you take the appropriate step forward. Let us help you determine which next step is better for you. Whether you wish to start saving for college, plan on buying a home, or are strategizing your retirement, we can help you along the way.
DISCOVER HIDDEN OPPORTUNITIES
From the moment you take your first job to the day you plan your retirement party; careful financial planning efforts can help you find confidence and ease any fears you have about pursuing financial stability. Our qualified team has been helping clients work towards their financial goals since 1980 and will continue for many decades to come.
OUR SERVICES FOCUSED ON YOU
Being proactive about your approach to financial fitness is a practice that can benefit anyone at any stage in life. Our financial advisors and amazing service team will work with you at an individual level to determine:
✅ Your financial goals
✅ Your greatest ambitions
✅ Your biggest obstacles
✅ Your current plan
We are happy to meet you where you are on your financial journey and steer you towards the keys and principles that can help you pursue financial success.
Lifetime Financial Advisors (LFA) is committed to the original vision of providing a lifetime of service to clients and their families. Our team of competent advisors engage with clients individually to craft a plan for their money, life, and legacy. Their experience and qualifications allow them to act as financial guides, helping clients pursue what matters most to them.
Supporting our clients and advisors is our amazing LFA service team. Through a client-centered approach, we are committed to a high level of personable and responsive service.
We know that finding financial confidence takes more than hard work. It also takes an in-depth knowledge of financial management strategies, awareness of market trends, and understanding of your risk tolerance. A strong working relationship is critical to us in serving your needs, which is why we take the time to get to know you beyond your financial portfolio. Through a collaborative partnership, we will learn about your personal and financial life to provide guidance and advice.
Education
San Diego State University, Master of Science - MSBA, Business Administration, Financial & Tax Planning | Lindenwood University, Bachelor of Arts (B.A.), Philosophy
Awards and Honors
Hobbies and Interests
- Camping
- Family
- Reading
SEC Lookup
View DisclosureFINRA Lookup
View DisclosureWho We Serve
- Baby Boomers
- Corporate Executives
- Couples
- Dual Income Family
- Gen X
- Intergenerational Families
- Living in Retirement
- Parents
- Widow
To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
Write a Review
By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.
We trust David to handle financial planning for our entire family
✅ Wealthtender Certified Advisor Review™
Jan 8, 2024
David has been handling our financial planning for several years. We trust his advice and guidance and value not only his expertise but also that he is a genuinely good person. He listens to our questions and concerns and explains everything clearly. He now handles accounts for our extended family. If that doesn’t show our confidence in his help, I don’t know what would. He’s a good guy and knows his stuff.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 12/16/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
Knowledgeable, Creative, Patient
✅ Wealthtender Certified Advisor Review™
Dec 12, 2023
At the beginning of 2023, I resigned from a very toxic work environment and was offered a new position with a different company. My starting salary with the new company was less than what I had been making at my previous job of 13 years. At first, I was thinking of taking my Social Security early to help make ends meet. I first meet with David to discuss rolling over of my 401-K from my previous employer to Lifetime Financial. I explained to him what I was planning to do with my SS, and he took the time to discuss the pros and cons of taking my SS early. David also came up with a better solution which would allow me to wait until I turned 70 to apply for SS so I would be able to receive my full retirement benefits.
David has always been patient and kind to me during this process. I trust David to wisely guide me through my financial decisions and protect my investments and my financial future.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 12/7/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
Trust between client and financial planner
✅ Wealthtender Certified Advisor Review™
Dec 6, 2023
Prior to my retirement I managed and hired a significant number of people. One of the many lessons I learned was the importance of trust in relationships. Trust is hard to cultivate and absolutely necessary to be effective. David understands this and invests the time to allow trust to develop naturally. When I first met David I was impressed with his willingness to listen to what I had to say. He knew when.to ask questions and let me fully answer them. His follow through with our requests is never in question. He is proactive yet is mindful of our concerns regarding our investments. These are skills are fundamental to building trust. As a result, my wife and I feel very safe and secure with David as our financial advisor.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 12/1/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
David helps me feel financially confident
✅ Wealthtender Certified Advisor Review™
Dec 4, 2023
Frankly, I find investments confusing and complex. That does not stop me from wanting to learn about, and be involved in, my financial decision making. I just need to have investing explained to me in a way I understand what is happening. David has always been aware of this and takes the time to make sure I know exactly what we are doing with my investments. I feel listen to and validated when we meet. David remembers what my concerns are and brings that knowledge each time we meet. I very much appreciate his patience, thoroughness and follow through when discussing our investments.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 12/1/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
David is attentive and we feel confident.
✅ Wealthtender Certified Advisor Review™
Nov 27, 2023
David has been our advisor for a few years. He is always attentive to our needs. When we called him about needed some money sent to us, he asked if he could work with our accountant to see the best way for us to receive the distributions. For tax purposes, they agreed that having payments sent monthly instead of one time. A set amount was agreed upon as not to put us into another tax bracket. David looked at the whole situation before just doing as we asked. We feel very confident that he has our best interest always.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 11/27/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
The Best
✅ Wealthtender Certified Advisor Review™
Nov 20, 2023
I’ve never worked with a support person better than David! He makes everything understandable and I totally totally totally trust him with our finances. He explains everything and goes over it with me to make sure that I’m comfortable with the decisions we are making together as a team. You will be in great hands with David Mathias I highly recommend him!
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 11/20/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
Amazing advisor
✅ Wealthtender Certified Advisor Review™
Nov 16, 2023
David is very knowledgeable, trustworthy, and reliable. Our retirement savings is of utmost importance, and we have no concerns at all trusting David with that.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 11/10/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
A Rare Gem
✅ Wealthtender Certified Advisor Review™
Nov 16, 2023
I have worked with David for many years and am comfortable and confident in him. He is thorough and patient and talks in layman’s language which is essential to those of us who are not professionals in the financial world. I appreciate the way he interfaces with my accountant and other financial professionals; they all speak very highly of his work and his attitude of teamwork. Whenever I have needed financial advice, he has been available to help me that same day! I highly recommend David- for financial planning and investment.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 11/15/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
We couldn’t imagine a better financial advisor for us.
✅ Wealthtender Certified Advisor Review™
Nov 15, 2023
We have worked with David Mathias for at least three years. He has always been so helpful, highly responsive, and always proactive with long term planning and tax implications of financial decisions. He has always been exceedingly responsive and available. His knowledge of financial implications of various decisions are quite remarkable, especially since he’s responding verbatim to us, without doing any further research. On the other hand, if there is the rare situation he’s unfamiliar with, he immediately researches it, and gets right back to us.
His referrals to other necessary professionals have been excellent.
We’re certain that if you choose to work with David, you will be exceedingly pleased, as we are.
We couldn’t imagine a better financial advisor for us.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 11/14/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
5 Stars
✅ Wealthtender Certified Advisor Review™
Nov 15, 2023
David is a very communicative and professional financial advisor. From my experience, he’s always happy to answer questions and provides thought-provoking responses with follow up information and useful data. I am a fairly inconsequential client who is only in contact with David by virtue of my parents and their wealth, but David always takes the time to meet with me and go over everything in my portfolio, help me plan financial goals, and put my life into perspective with my financial situation. From my limited perspective, David is always reliable and responsive, and I would absolutely recommend him as a long-term financial advisor.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 11/11/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
Performance of David Mathias, CFP, MSBA - Lifetime Financial
✅ Wealthtender Certified Advisor Review™
Nov 15, 2023
As early retirees, we have worked with LPL Financial in excess of 25 years. In the past few months, Mr. David Mathias has been our Financial Advisor and has demonstrated exceptional knowledge of worldwide financial markets and investment strategies to meet our goals. He uses his education, experience and an overall common sense approach to building and maintaining financial independence during our golden years of retirement. He is always available, listens and communicates timely on our portfolio performance.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 11/12/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
Successful retirement planning
✅ Wealthtender Certified Advisor Review™
Nov 14, 2023
David has displayed a "wealth" of knowledge and expertise from day one. He has demonstrated a tremendous amount of skill guiding us through the many financial options and decision-making process. Always prepared for in-person and zoom meetings, and organized and focused on the meeting objectives. And, at the same time, being patient, professional, friendly, and having good "bedside manner".
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 11/14/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
David is not only a trusted advisor but one who knows me personally, even though we live on opposite sides of the country and have never actually met in person.
✅ Wealthtender Certified Advisor Review™
Nov 14, 2023
I believe that David's experience has shown in all our contacts. He wants to maximize my assets, suggests other helpful ways to manage my finances and is in touch often. His expertise and that of his company bring me excellent advice through zoom classes and phone calls.
One of my best of many high compliments is his follow-through on everything we discuss. It is always done as we discussed and in a timely fashion. He is a five star financial advisor and an A+ person.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 11/11/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
High Marks
✅ Wealthtender Certified Advisor Review™
Nov 14, 2023
David Mathias has been my advisor for several years. I find him accessible, well-informed and easy to talk with. He welcomes questions, and doesn't give dodgy answers. He isn't shy about offering advice, but doesn't push it if I am not comfortable. I feel good about the work he does for me and can strongly recommend him to others.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 11/10/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
Trustworthy and Sound!
✅ Wealthtender Certified Advisor Review™
Nov 14, 2023
I've been with Lifetime Financial Advisors for over 20 years. When my account was handed off to David I was afraid I'd lose the personal interaction and thoughtfulness I always appreciated from the firm. However, I didn't lose anything with David. He is thoughtful, caring, and provides sound advice and recommendations for my investments. He listens to me and my concerns. He guides and coaches me accordingly. He's not afraid to kindly correct me, as well. I've stayed with LFA for years because they are good trustworthy friends, and I'm happy to work with David because he carries that same torch.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Disclosure: This statement is a testimonial by a client of the financial professional as of 11/14/2023. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial.
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