Meet Our Team

Germaine Cordes, ChFC® has built her career around a deep commitment to helping clients navigate the complexities of their financial lives. Raised in the Bay Area, she began her professional journey at just 17 years old when she joined the U.S. Army shortly after high school. Following seven years of dedicated service, she transitioned into the financial sector, taking on roles as an Account Executive at a national fleet leasing company before advancing into the credit department as a Financial Analyst.

Germaine later served as Finance Director for a large commercial truck dealership, where she witnessed firsthand how unexpected life events can dramatically impact even highly successful individuals. A defining moment in her career occurred when a long-time client suffered a heart attack and, within six months, was forced into bankruptcy. This experience became the catalyst for her decision to pursue a more meaningful path in Financial Planning.

In 2002, Germaine began her Financial Planning career with Lincoln Financial Group, where she completed a rigorous training program covering portfolio construction, retirement planning, estate planning, and business succession strategies. She was also an early practitioner of Retirement Income Planning, well before it gained mainstream recognition.

Germaine joined MassMutual Financial Group in 2004, where she expanded her expertise in insurance solutions and comprehensive cash flow analysis. In 2009, Germaine became an Independent Financial Planner with Foothill Securities. Through subsequent industry consolidations, she is now affiliated with Osaic Wealth, her current broker-dealer.

Germaine holds a Bachelor of Science in Applied Economics from the University of San Francisco and a Paralegal Certificate from California State University, Hayward (ABA-approved), with a concentration in Estate Planning and Corporate Law.

Ryan joined Lifetime Capital in 2023 with a mission to transform the company's operations and software into an efficient, well‑oiled machine. He brought a unique perspective shaped by his extensive experience as a UX/UI Designer working with major technology companies including Google, Facebook, Apple, and Lam Research.

As a Salesforce Administrator and Operations Systems Manager, Ryan built a dynamic Salesforce platform from the ground up, leveraging Salesforce Financial Services Cloud (FSC) to streamline workflows, automate tasks, and elevate the client experience. His work included implementing AI‑driven tools to reduce manual processes and improve service delivery across the firm.

Beyond Salesforce, Ryan expanded Lifetime Capital's digital presence by designing and developing the company's website and creating its full marketing brochure, ensuring the brand's visual identity matched its high‑touch service model.

He also overhauled the firm's archiving system, automated reporting processes, eliminated manual bottlenecks, and unified previously disconnected systems through strategic integrations — creating a cohesive, scalable operational infrastructure that supports Lifetime Capital's long‑term growth.

Juliana serves as the firm's Operations & Technology Administration Manager, blending her background in business, accounting, and technology to strengthen daily operations and support the firm's continued growth. With a Bachelor's Degree in Business & International Trade and hands-on experience in accounting and software development, she brings a unique mix of financial insight, operational understanding, and technical skill.

Juliana's work across financial and technology environments has shaped a practical, organized approach to improving processes and managing information. In her operations role, Juliana focuses on streamlining workflows, enhancing internal coordination, and ensuring that systems and tools work together seamlessly. She excels at connecting people, processes, and technology to create simple, effective solutions that boost team productivity and elevate the client experience.

Curious, collaborative, and committed to continuous improvement, Juliana is passionate about using technology, automation, and emerging tools to make work more efficient and intuitive. She strives to build a supportive, well-structured environment where both the team and clients can thrive.

IRON POINT FINANCIAL ADVISORS — Support Staff

As a branch office of Osaic Wealth, Iron Point Financial Advisors provides the operational strength, structure, and guidance that power Lifetime Capital's advisor support.

Led by Alissa Couchman, Head of Advisor Support and Mitch Smith, Advisor and Tech Support, the group is dedicated to ensuring seamless operations and exceptional service.

Together, they partner closely with Lifetime Capital to:

• Manage day‑to‑day operational details
• Resolve issues and coordinate directly with Osaic Wealth
• Deliver ongoing training, communication, and education

Their mission is to keep Lifetime Capital informed, supported, and empowered so we can focus on delivering outstanding service to our clients.

Important Note: Lifetime Capital Financial Group and Osaic are separate entities. Securities and investment advisory services are offered through Osaic Wealth, Inc., member FINRA/SIPC.