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David Mathias, CFP®, MSBA, RICP®

Financial Independence Planning for You

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Lifetime Financial Advisors David Mathias, CFP®, MSBA, RICP®
Cloverdale, CA

Serving Clients Nationwide

Financial Independence Planning for You

15 Certified Advisor Reviews™
5 out of 5 Stars
Jump to Reviews

760.943.0430 x105

Website

Areas of Focus

  • Equity Compensation Options
  • Family and Money
  • Investing
  • Retirement Planning
  • Taxes

About David Mathias, CFP®, MSBA, RICP®

Why Work with Me?
Throughout my career, I've been dedicated to helping people take control of their finances. My mission is to simplify complex financial decisions so you can focus on what matters most to you.

I specialize in:
• Retirees and Pre-Retirees

• Employees with Stock Compensation

• Solo Entrepreneurs (Net Business Income > $150K)

• Healthcare Professionals

Services Offered:
• Retirement Planning

• Tax Planning

• Comprehensive Financial Planning

• Investment Management

Let’s craft a financial strategy tailored to your needs. Schedule your complimentary consultation today and take the first step toward pursuing financial independence.


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.

The RICP® is the property of The American College of Financial Services, which reserves sole rights to its use, and is used by permission.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER ®
  • Retirement Income Certified Professional (RICP)

Affiliations

  • CFP Board
  • Financial Planning Association

Primary Location

1123 S Cloverdale Blvd Ste E #134 Cloverdale, CA 95425

Additional Locations

📍 1123 S Cloverdale Blvd Ste E #134 Cloverdale, CA 95425

📍 2210 Encinitas Blvd. Ste. C Encinitas, CA 92024

Meeting Options

  • Video Conference
  • In-Person
  • Phone
Book Intro Call

Compensation Methods

  • Fee Based
  • One-time Financial Plan
  • Percentage of Assets Managed
  • Subscription

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 I'm a good fit to serve your needs and priorities.

Offers Investment Management

Yes

About Lifetime Financial Advisors

Lifetime Financial Advisors (LFA) provides financial clarity and confidence to clients at every stage of life. Our experienced advisors craft personalized strategies for managing money, building wealth, and planning legacies, helping clients focus on what matters most.

Supported by a dedicated service team, we prioritize responsive, client-centered support. As of March 2024, we manage over $530 million in advisory and brokerage assets through LPL Financial and offer financial planning services via our Registered Investment Advisor (RIA), Lifetime Financial Advisors, Inc.

LFA has over 40 years of history helping clients achieve their financial goals, serving multiple generations with gratitude and pride.

Education

San Diego State University, Master of Science - MSBA, Business Administration, Financial & Tax Planning | Lindenwood University, Bachelor of Arts (B.A.), Philosophy

Hobbies and Interests

  • Camping
  • Exercising
  • Family
  • Fishing
  • Grilling
  • Pickleball
  • Reading
  • Traveling

SEC Lookup

View Disclosure

FINRA Lookup

View Disclosure

Who We Serve

  • Attorneys
  • Baby Boomers
  • Corporate Executives
  • Couples
  • Dual Income Family
  • Entrepreneurs
  • Families
  • Gen X
  • Gen Y / Millennials
  • Healthcare Professionals
  • Individuals
  • Living in Retirement
  • Parents
  • Real Estate Agents
  • Technology Professionals
  • Widow
  • Women in Transition
  • Young Families

Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. 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: Client as of Jan 8, 2024
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.
Avatar for Yvonne from Ann Arbor, MI
Yvonne from Ann Arbor, MI

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: Client as of Dec 12, 2023
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.
Avatar for Lisa from Encinitas
Lisa from Encinitas

Trust between client and financial planner

✅ Wealthtender Certified Advisor Review™
Dec 5, 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: Client as of Dec 5, 2023
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.
Avatar for David from Encinitas, CA
David from Encinitas, CA

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: Client as of Dec 4, 2023
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.
Avatar for Gayle from Encinitas, CA
Gayle from Encinitas, CA

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: Client as of Nov 27, 2023
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.
Avatar for Theresa from Pompano Beach, FL
Theresa from Pompano Beach, FL

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: Client as of Nov 20, 2023
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.
Avatar for Jennifer from West Hollywood, CA
Jennifer from West Hollywood, CA

Amazing advisor

✅ Wealthtender Certified Advisor Review™
Nov 15, 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: Client as of Nov 15, 2023
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.
Avatar for Mark M.
Mark M.

A Rare Gem

✅ Wealthtender Certified Advisor Review™
Nov 15, 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: Client as of Nov 15, 2023
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.
Avatar for Shaye H.
Shaye H.

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: Client as of Nov 15, 2023
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.
Avatar for R & D, Encinitas, CA
R & D, Encinitas, CA

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: Client as of Nov 15, 2023
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.
Avatar for Eleanor B.
Eleanor B.

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: Client as of Nov 15, 2023
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.
Avatar for Melanie & Robin from Oxford, MS
Melanie & Robin from Oxford, MS

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: Client as of Nov 14, 2023
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.
Avatar for Mark from Colorado Springs, CO
Mark from Colorado Springs, CO

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: Client as of Nov 14, 2023
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.
Avatar for Pamela from Chattanooga, TN
Pamela from Chattanooga, TN

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: Client as of Nov 14, 2023
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.
Avatar for Franz M.
Franz M.

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: Client as of Nov 14, 2023
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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