Rick Raybin uses comprehensive financial planning to help individuals and families properly plan to 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 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 creative approach to tailoring financial strategies that work 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 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 clients, Rick supports his 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.

As a fee-only, fiduciary, and independent financial advisor, Rick is never paid a commission of any kind, and works only for the client - not a broker, insurance company, or bank.