Imagine meeting an advisor who wants to get to know you. Wants to hear your stories; what matters to you; what you value; your hopes, your dreams. The advisor asks you to describe the life you want to live and about the people in your life and the time you want to spend with them.
At this meeting, you receive a comprehensive life centered financial plan that lays out a clear path to the life you want to live, one that reflects your hopes and dreams. You connect the information you shared (during the discovery meeting and in the documents that you provided after) to the steps on your path. You value the range of perspectives provided by the professional advisors who collaborated on your plan. You look forward to seeing how we’ll use your plan to support you in our next meeting and how we’ll use it in the future to help you to live the life you want.
You enjoy the peace of mind you gain from having a team committed to making it a little easier for you to live the life you want. At this meeting, you will review the steps we’ve taken and see the progress made on your plan. We also answer any questions you may have to help you feel financially secure and sustain your peace of mind.
We schedule 3 progress meetings during the year.
These meetings provide us an opportunity to maintain the documentation supporting your plan and to update your plan with new information. These meetings provide you an opportunity to see the progress you are making on your plan. Some clients use the meeting as an opportunity to explore new ideas.
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Rick Raybin helps individuals and families 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 experience to bring informed insight, valuable ideas and reliable guidance to each situation.
Earlier in his career, Rick was a CPA with Coopers & Lybrand and the CFO of Rosenberg Real Estate Equity Funds (RREEF), a nationally recognized real estate investment manager. While at RREEF, Rick was a co-founder of an industry consortium, the National Council of Real Estate Investment Fiduciaries (NCREIF), which is 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 that the better he gets to know his clients the better he is able to help them live the life they desire. What sets Rick apart is his highly committed and creative approach to tailoring financial strategies for his clients. His independence enables him to tap into a network of other professionals to create an integrated solution for each client’s unique needs.
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 an evidence-based approach to investing and how an investor can follow this approach on their own or find an advisor to help them.
Beyond advising his clients, Rick supports his surrounding community with his expertise on financial matters. These have included 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 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.
Few things in life give peace of mind like knowing that you have a good doctor. I know that because my dad was a good doctor. Throughout my childhood, I watched closely as he practiced his craft—which was much more than medicine to him. His practice was about helping people, caring for the community and providing reliable service through the most vulnerable and difficult moments human beings can face.
As an orthopedist, he often gave care and comfort following a traumatic event. He was a true medical expert, yes, but he was much more. He understood that good healthcare was not just a matter of what you know, but also about understanding the person. It was about listening and treating people with humility and empathy.
One Saturday, I was with my dad as he visited his patients in the hospital. I watched from a distance as he met with a large man who was extremely agitated—almost dangerously so—about his injured son. Watching my dad respond to this man was a life-changing experience for me. Rather than back away, my dad gently touched the man, and I was amazed to see how quickly he calmed down. It was as if my dad had lifted the weight of the world off this man’s shoulders. Watching my dad have that immediate impact on another human being made a lasting impression on me.
As you may have already guessed, my dad was my hero. In my own life, I have tried to walk in his footsteps. Indeed, I try to bring to my own work the same spirit of wisdom, humility and service that animated my dad’s medical practice many years ago.
My choice of profession also came from watching my parents. As a teenager, I saw my mom and dad struggle with investing. Engaging stockbrokers recommended by wealthy patients regularly proved disappointing. When people would offer to “let him in” on investments, my dad would say, “if it’s such a good deal, why are they offering it to me?” Watching them, I realized that I wanted to help people the way my dad had, but with their financial health rather than physical health.
I had a lot to learn. In college, I majored in economics. In graduate school, I earned a master’s in business administration with concentrations in finance and accounting. I then joined the international accounting firm, Coopers & Lybrand, and became a Certified Public Accountant.
Building on what I learned in school and as a CPA, I joined Rosenberg Real Estate Equity Funds (RREEF) where I was quickly promoted to Chief Financial Officer (CFO). There I saw how knowledgeable investors approached investing including their understanding of investments and investment markets. While at RREEF, I worked with my counterparts at the leading insurance companies and banks to form the National Council of Real Estate Investment Fiduciaries (NCREIF) and served as its first president and board chair. In this role, I gained firsthand knowledge of how professional investors throughout the U.S. approached investing, the information they required to support their investment decisions and how they worked with their professional advisors.
Since my time at RREEF, I’ve worked as a technology entrepreneur and financial consultant in insurance, technology, real estate, equity markets and more. My experience in financial markets is wide and varied. But I felt a growing sense that something was missing.
One day it struck me. I remembered what I really wanted to do. I wanted to follow in my dad’s footsteps and focus on serving individuals and families. Instead of learning medicine to help others with their physical health, I could take my passion for helping others and use the skills and knowledge I learned as a CPA and CFO to help others with their financial health.
In 2006, I launched Lifetime Capital Group where I enjoy giving my clients the confidence that their futures and their legacies are in safe and secure hands.
At Lifetime Capital Group, our advice is grounded in holistic financial planning. To oversee this effort, we have engaged David Bowman, CFP®. 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 finance 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.
Amanda is located North Carolina and attended Appalachian State University, where she received her BS in Business Administration with concentrations in Finance and Insurance.
Amanda has over 12 years of experience as a Sales Assistant in the financial services industry. She is a jill of all trades in the office, but her favorite role is Client Servicing. She prides herself in handling all back-office tasks so advisors can do what they do best. She also enjoys educating and building relationships with clients. Amanda currently holds her life, health, long term care, Medicare supplement, property and casualty licenses.
In her free time, you can find Amanda out on the lake with her husband or out on her front porch swing with a good book.