About

Our Values

When you partner with Lifetime Legacy Services, you gain an advocate and confidante who sits with you on the same side of the table, helping you sift through the issues in your world. When we get to know you and your family, we develop a deep understanding of who you are, and where you want to go.

Our mission is to help you develop and manage a financial plan that empowers you to live a life you love, and leave a legacy you’re proud of.

What We Believe In

Personal Relationships

Boutique Setting

Accessibility

Fee Only

Putting You First

Your story is unique, and so is our approach. Our people-first philosophy ensures that you’re at the center of every decision and strategy. It’s not just about managing wealth; it’s about understanding where you are and empowering you to reach where you want to be.

Our Team

About Rick Raybin

CEO & Founder

Rick Raybin, Managing Director of Lifetime Legacy Services is a CERTIFIED FINANCIAL PLANNER™. Lifetime Legacy Services is an independent, fee-only financial planning and advisory firm that focuses on putting the needs of its clients above all else.

“This is my purpose in life.” – Rick Raybin

Rick has been a financial advisor since 2006, and has written a book about investing strategies. Rick is passionate about serving his clients well, and pursuing excellence in everything he does – from work, to developing educational content for investors, to spending time with his family and loved ones.

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Rick Raybin helps 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 idea, and reliable guidance to each situation.

Earlier in his career, Rick was a CPA with Coopers & Lybrand. 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.

Building on what he learned in school and as a CPA, he joined Rosenberg Real Estate Equity Funds (RREEF), a nationally recognized real estate investment manager, where he was quickly promoted to Chief Financial Officer (CFO). There, he saw how knowledgeable investors approached investing, including their understanding of investments and investment markets.

While at RREEF, he worked with his counterparts at the leading insurance companies and banks to form the National Council of Real Estate Investment Fiduciaries (NCREIF), a major provider of real estate-related indices and served as its first president and board chair. In this role, he 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.

In 2006, Rick launched Lifetime Capital Group, a boutique financial services firm, where he takes great pride in giving his clients the confidence that their futures and legacies are in safe and secure hands. In 2024, he transitioned the firm to incorporate more of his expertise in real estate, concentrated wealth, and legacy planning and renamed it Lifetime Legacy Services.

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 innovative 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 in 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 a San Mateo Leadership Program graduate and a member of the Peninsula Estate Planning Council, the Rotary Club of San Mateo, and the San Mateo Chamber of Commerce.

Rick enjoys spending time with his wife, Ramona, plays tennis, produces plays, and mentors his four adult children in his spare time.