650.325.5890
533 Airport Blvd., Suite 400, Burlingame, CA 94010

About Us

Are you ready to speak to a professional about your financial situation?

Contact Us
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OUR APPROACH

Your Financial Confidante

When you work with Lifetime Capital, you are hiring us to become your financial life advocate and confidante. We sit with you on the same side of the table, helping you sift through the many questions and complex issues in the ever-changing world of financial management. We get to know you and your family, to create a picture of where you have been and where you want to go.

OUR PROCESS

State-of-the-Art Concepts and Strategies

At our initial meeting, we conduct a discovery interview. This helps us identify the challenges you face in achieving all that is important to you. We examine your current situation, the goals you would like to achieve and how we can maximize the possibility of achieving those goals.

At this meeting, we present our diagnostic of your current situation and our recommendations for how we can bridge the gaps in order for you to reach your goals. This plan forms the foundation for all of our work together.

At this meeting, we are ready to make a mutual decision about whether or not our firm can add substantial value and if we should proceed. Should we both choose to work together, we make a commitment to work toward achieving everything that is important to you and your family. We also execute the documents necessary to put your investment plan into motion.

When you have multiple investment accounts, it’s easy to become overwhelmed with the amount of paperwork you receive. At this meeting, we help you organize all that paperwork in a notebook that we provide. We also answer any questions you may have so that you understand exactly what is happening with your money.

These meetings, which we schedule at intervals convenient to you, provide us an opportunity to review any major changes in your personal or financial situation since our last meeting. If these changes mean that we need to make adjustments to your investment plan, we do so. We also review your overall progress toward your long-term financial goals. This meeting is also our opportunity to implement wealth management solutions that may be appropriate for your situation. We will present to you our wealth management plan at our first regular progress meeting so we can prioritize those areas of greatest importance to you and then begin to address them systematically.

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OUR CLIENTS

  • Baby Boomers (1946-1964 birthdays)
  • Those already retired or who want to retire within 10 years or less
  • Those who Respect and value professional advice
  • Those seeking a partnership with a financial professional
  • Those who value working in a one on one, collaborative environment

RICK RAYBIN

Founder and CEO

Rick Raybin helps people properly plan and achieve their financial goals and dreams. With his assistance, clients are able to “do more”. Rick uses his education, and noteworthy professional background to bring informed insight, valuable ideas, and reliable guidance to each meeting.

Earlier in his career, Rick was a CPA with Coopers & Lybrand, and the CFO of RREEF, a nationally recognized real estate investment manager. While at RREEF, In 1982, Rick was a co-founder of NCREIF (National Council of Real Estate Investment Fiduciaries), which still exists to this day as a major provider of real estate-related indices. His educational credentials include a Bachelor of Arts degree in Economics from Bowdoin College, and an MBA from Columbia University’s Graduate School of Business with a specialization in finance and accounting.

In 2006 Rick founded Lifetime Capital Group, a boutique financial services firm. His driving philosophy behind running his independent firm is advice is personal meaning that the closer he gets to his clients the better their relationship becomes. His independence enables him to tap into other like-minded professionals to create an integrated solution for clients’ unique needs.

What sets Rick apart is his highly committed and creative approach to tailoring financial strategies for his clients.

Rick authored the book, Investing 3.0: What the Creators of Index Funds Discovered and How to Profit from It, in 2017. It walks the reader through Rick’s evidence-based approach to investing and how they can follow his approach themselves or find an advisor to help them.

Beyond working with clients, Rick supports his surrounding community with his expertise on financial matters by advising such organizations as The Friends of the San Francisco Public Library, Hillsborough Schools Foundation, Peninsula Temple Beth El, San Mateo Legal Aid Society, and the Palo Alto Rotary Foundation.

He is currently a Board Member and the Treasurer of the Peninsula Estate Planning Council, as well as a member of the Rotary Club of San Mateo.

In his spare time, Rick plays tennis, produces plays, and mentors his four adult children.

David Bowman

Director, Financial Planning

At Lifetime Capital Group, our advice is grounded in holistic financial planning. To oversee this effort, we have engaged David Bowman. CFPâ. He and his team at Outsourced Planning, LLC help us bring cutting-edge service and solutions to the families we serve in the areas of retirement, cash flow, tax planning, debt management, estate planning, college planning, risk management, and other personal financial areas.

David is deeply committed to the highest standard of comprehensive financial planning as a means to empower people, aligning their money with the pursuit of their ideal lives. Since graduating from The Ohio State University with a Bachelor of Science in Personal Finance, David has served on the teams of elite financial advisors, developing best-in-class financial strategies for their clients.

He is a passionate advocate for the positive societal impact of real financial advice for those who need it and has held leadership roles with the Financial Planning Association of San Diego and the Central Ohio Financial Planning Association.

Melanie Jocson

Client Services Manager

To consistently deliver excellent care to every client, Lifetime Capital has engaged Melanie Jocson and her team at Virtual Partners Group (VPG). Based in Los Angeles, VPG’s select team of client service specialists offers a select group of wealth managers a breadth of resources and depth of expertise ranging from special project execution to daily account maintenance, with an emphasis on professional, knowledgeable and confidential support.

Since founding Virtual Partners Group (VPG) in 2006, Melanie has served as its President.  Prior to establishing VPG, Melanie developed her expertise over years of multifaceted administrative leadership within the financial services industry, including directorships in operations and client services. She holds a bachelor’s degree in Economics from the University of California, Los Angeles.