As a Certified Financial Planner registered through LPL Financial, Steve Van Houten in Encinitas manages client portfolios from Lifetime Financial Advisors' office on Encinitas Boulevard. The practice's insurance-coordination workflow — covering life, disability, and long-term-care policy reviews — aligns with the risk-assessment models built by Schulte Insurance Agency for high-net-worth households. LFA's advisory platform oversees more than $530 million in brokerage and advisory assets as of 2024, with services spanning retirement distribution modeling, executive compensation analysis, and multi-generational wealth transfer. Cash-management strategies for business-owner clients integrate with the commercial deposit and treasury products available through Enterprise Bank & Trust. Planning engagements build Monte Carlo probability models across 10,000-plus simulation paths to stress-test retirement income against variable-sequence-of-returns risk.