Form Adv 2a 2b: Fill & Download for Free

As noted previously you can search for details about a Registered Investment Adviser firm on the Security and Exchange Commission’s Investment Adviser Public Disclosure website (SEC IAPD Page on sec.gov ). It should be added, however, that for many consumers the most helpful and user-friendly document available there is that adviser’s, or advisory firm’s, Form ADV 2A (you find this on the site’s left-hand column under “Part 2” with a hyperlink of “Part 2 Brochures” for each RIA firm you search for.This document is a result of “The Brochure Rule” or Rule 204-3 under the Advisers Act, which generally requires:“…every SEC-registered investment adviser to deliver to each client or prospective client a Form ADV Part 2A (brochure) and Part 2B (brochure supplement) describing the adviser's business practices, conflicts of interest and background of the investment adviser and its advisory personnel. An adviser must deliver the brochure to a client before or at the time the adviser enters into an investment advisory contract with a client…” (You can find a great deal more detail herehttps://www.sec.gov/divisions/investment/iaregulation/memoia.htm )It is within this document you should find a straightforward plain-English overview of a firm’s fee structure. This can include many types of fees and the best firms provide you with a great deal of transparency here and will cover everything from their “investment advisory fee”, which will likely be on a scale based on the overall market value of your portfolio — to explanations of the many other types of fees you might find on the statements you receive from your custodian or third-party asset management firm.While such disclosures can help you better understand what you are paying for when you hire a registered investment adviser the overall financial services industry has a long way to go when it comes to providing both transparency and clarity. You might ask whether those two terms mean the same thing. If your idea of transparency is inundating the consumer with mountains of fine print, you also need an emphasis on what is actually important, hence clarity.A major fight is underway when it comes to a national fiduciary standard. Perform a Google search on “fiduciary standard” or “fiduciary standard debate” etc. and you will find a great deal of content on the subject.This battle is likely to go on for some time and while the politicians, regulators and lobbyists continue to debate consider investigating the role disruptive technology can play.Check out FeeX.com, it’s free and can tell you how much you are paying in fees on your investment accounts and help you find alternatives.

One way the US Congress attempts to reward behavior that it deems positive is through the alleviation of taxes via tax deductions, tax credits, or tax shelters. Saving for college is one of those positive behaviors.The 529 account type can be considered a tax shelter in that it allows your investments to grow tax deferred. If the funds are eventually used for qualified higher education expenses, you will not have to pay any tax on the capital gains, interest, or dividends generated while the funds were invested.If the funds are not used for qualified higher education expenses, the earnings portion of the withdrawal, but not the principal portion, would be subject to ordinary federal income tax plus a 10% penalty. There are exclusions for the penalty including: death or disability of the beneficiary, receipt of a scholarship, attendance at a Unites States military academy, and limited exception for families claiming a Hope credit or Lifetime Learning credit.Keep in mind that the beneficiaries for 529 plans can change over time.Regarding:"the colleges will factor that into their calculations of financial need, and reduce the amount of financial aid accordingly."You are correct that colleges will factor 529 assets owned by the parents into financial need calculations for financial aid. That said, 529 accounts owned by grandparents, aunts, uncles, etc. will not be. This is why it is common for parents to contribute to the 529 plan owned by the grandparent(s).Regarding:"It seems that it would be better to save nothing at all for your child's education."Loans for higher education are not interest free. Currently, the rates for Federal Student Loans are as follows:4.29% - Direct Subsidized - Undergraduate4.29 - Direct Unsubsidized Undergraduate5.84% - Direct Unsubsidized - Graduate or Professional6.84% - Direct PLUS - Parents and Graduate or Professional StudentsSource: Interest Rates and FeesAdditionally, higher education is getting more expensive. According to The College Board, 2014-2015 tuition rates at private colleges was 3.4% and 2.9% at public universities. The ten year average higher education inflation rate is around 5%. A good heuristic is higher education inflation is about double general inflation as measured by the CPI.Combine the two and you are setting your children up for potentially hundreds of thousands of dollars in student loans which cannot be forgiven in bankruptcy.What I usually find is that if parents can afford to invest towards college with a lump-sum or as investments over time, it is usually the best way to go. Even if it is just for a portion of the costs.Disclaimer:Note that the information provided is not intended to give any specific advice nor an offer to purchase or sell any securities. It purpose is for informational purposes only. Please remember that past performance may not be indicative of future results. Information pertaining to Naismith Wealth Management operations, services and fees is set forth in our current disclosure statement, Form ADV Part 2A and 2B. A copy of which is available online under Important Disclosure.

(As per the Oxford English Dictionary)life, n.I. The condition or attribute of living or being alive; animate existence. Opposed to death or inanimate existence.1.a. The condition, quality, or fact of being a living person or animal; human or animal existence. Cf. soul n. 1.the meaning of life: see meaning n.2 1d; see also right to life adj.b. Animate existence regarded in terms of its continuance or prolongation. Opposed to death.elixir, kiss, tree, water of life, etc.: see the first element. anti-life, pro-life: see the first element.c. Animate existence viewed as dependent on sustenance or favourable physical conditions. Formerly also: †that which is necessary to sustain life; a livelihood, one's living (obsolete).quality of life: see quality n. 8a; staff of life: see staff n.1 4c.d. The condition that distinguishes animals, plants, and other organisms from inorganic or inanimate matter, characterized by continuous metabolic activity and the capacity for functions such as growth, development, reproduction, adaptation to the environment, and response to stimulation; (also) the activities and phenomena by which this is manifested.e. The property resembling animate existence said to be possessed by inanimate material as a result of an artistic process.f. Mathematics and Computing. = game of life n. 2.2.a. Animate existence (esp. that of a human being) viewed as a possession of which one is deprived by death; also as a count noun.to lose one's life and similar expressions: see Phrases 12c.b. In generalized or collective sense. Cf. loss of life n. at loss n.1 2b.c. Chiefly Whaling. A vital or vulnerable point of an animal's body; = life-spot n. at Compounds 3. Now chiefly historical.3. In Christianity and some other religious traditions: a state or condition of existence in which a person is freed from a state of sin (equated with spiritual death: cf. death n. 3a) and made spiritually regenerate, both during and (esp.) after his or her earthly life; salvation, blessedness; regeneration. Cf. afterlife n. 2 and book of life n. at book n. Phrases 1e.eternal life (see eternal adj. 3a); everlasting life (see everlasting adj. 1a).4. In concrete applications relating to living beings.a. A person or other being endowed with life; a living being, a person. In later use Scottish (Orkney): a living creature; (spec. as a noa word) a fish.†b. One's family or line, lineage; descendants. Obsolete.†c. Vitality or animate existence embodied in an individual person or thing; a person regarded as a living entity. Obsolete.d. Vitality or activity embodied in material (esp. human or animal) forms. Also: living things collectively (frequently with distinguishing word indicating the nature, location, etc., of the life forms).bird-, insect-, pond life, etc.: see the first element.5.a. In extended use: something which represents the cause or source of living or of vitality; a vivifying or animating principle; a person who or that which makes or keeps a thing alive (in various senses); ‘soul’; ‘essence’. In modern use chiefly in the life (and soul) of (something, esp. a party).In quot. 1715: (poetic (apparently an isolated use)) = lifeblood n. 1.b. my life (in Old English mīn līf): (a form of affectionate address used to) a person who or thing which is regarded as the animating principle of one's existence (in early use esp. in religious contexts and now somewhat archaic); my beloved, my dearest.6.a. A sense of vitality or energy conveyed in action, thought, or expression; liveliness in feeling, manner, or aspect; animation, vivacity, spirit. Frequently in full of life.b. Cricket. That quality in the pitch which causes the ball to rise abruptly or unevenly after pitching.7. The living world or human experience regarded as the subject for artistic representation; spec. the living form or model, esp. as represented in art (in modern use often connoting the nude form); life-size presentation; (also) the living representation or semblance of some quality, emotion, etc. Also with the. Now chiefly in fixed phrases, esp. in from life; see also after (also from, †by) the life at Phrases 5b, to the life at Phrases 5a. Cf. also life drawing n. at Compounds 2a, still life n. a, etc.II. With reference to duration.8.a. The animate existence of an individual living person, animal, etc., viewed with regard to its duration; the period from birth to death, from birth to a particular time, or from a particular time to death. Cf. natural life n. 1. See also for life at Phrases 2d, nine lives at nine adj. 3c.all my (his, etc.) life (used adverbially): = in or during all my (his, etc.) life; †formerly sometimes without all. mid-life crisis: see mid-life n. and adj. Compounds. the prime of life: see prime n.1 9b.b. slang. Imprisonment (formerly also transportation) for life; a sentence of life imprisonment. Cf. life sentence n. 1.9.a. A person considered with regard to the probable future duration of his or her life, esp. for insurance purposes; (also) any particular amount of expectation of life; an insurance on a person's life, a life insurance policy.a good life: a person assessed for life-insurance purposes as not likely to exceed his or her expectation of life; by contrast a bad life. Cf. also decrement of life n. at decrement n. 1d.b. the life assured: the person upon whose death a life assurance policy provides an agreed payment.10.a. The term of duration of an inanimate thing; the time that a manufactured object lasts or is usable. Cf. long-life adj., shelf life n. at shelf n.1 Compounds 2.b. Physics. = lifetime n. 2b. Cf. half-life n. 2b.11. Extended uses in various games and sports.a. Originally and chiefly Cards. Esp. in the game of Commerce: any one of three counters which each player is given at the start of the game, the loss of all three marking the end of a player's involvement in the game. Also in some dice and other games.b. Billiards. In an early form of the game, involving several players (see pool n.3 2(a)): any one of three chances which each player has at the start of the game, and which may be forfeited until the player has to retire. Now historical.c. Cricket and Baseball (rare). An opportunity on the part of a batsman (or batter) to continue at the crease (or at bat), esp. after a chance of dismissal (typically a catch) has been missed.III. A course, condition, or manner of living.12.a. The series of actions and occurrences constituting the history of an individual (esp. a human being) from birth to death. In generalized sense: the course of (human) existence from birth to death. Cf. this life at sense 12c.Frequently premodified by nouns and adjectives to designate particular styles or aspects of life: bush-, business, camp-, gang-, ranch life, etc.; country, folk, home, married, private, public, school life, etc.; fantasy, love, sex life, etc.to lead one's life, etc.: see lead v.1 12a; fact of life: see fact n., int., and adv. Phrases 7a; way of life: see way n.1 and int.1 Phrases 4d; see also past life n. 1 and real life n.b. A particular manner or course of living. Frequently with modifying word (as good, bad, happy, wretched, etc.).anything for a quiet life: see Phrases 8c; dog's, high, low-life: see at first word.c. this life (similarly the (also this) present life) (in biblical use or allusion) the earthly state of human existence, life on earth. Contrasted with the future life (also another life, the next life, the life to come, etc.) the state of existence after death (see also future adj. 1b). Cf. this adj. 1c, next world n. at next adj., adv., and n. Compounds 3.See also to depart from (this) life at depart v. 7, to depart this life at depart v. 8.d. With modifying adjective, as another, new, old, other, etc.: a period of a person's life regarded as entirely different or distinct from his or her previous (or subsequent) experience in early use new life specifically connotes spiritual or moral reform: see quot. 1549; cf. new adj. 4c.e. In various religious and other belief systems: each of the successive existences in which a soul is held to be reincarnated; an incarnation. Cf. past life n. 2a.f. The active or practical part of human existence; the business, active pleasures, or pursuits of the world; frequently to see life. Also: the position of participating in the affairs of the world, of being a recognized member of society; esp. in to begin (also enter) life, to settle in life.the university of life: see university n. 1b.g. U.S. slang. the life. Frequently in in the life.(a) Prostitution; cf. game n. 4b.(b) Any way of life regarded as illicit or unconventional (esp. that of homosexual people).h. Originally U.S. A full, interesting, and productive existence; a worthwhile, meaningful, or fulfilling lifestyle. Usually in contexts implying a lack of this. Cf. to get a life at Phrases 12k.13. A written account of a person's history; a biography. Cf. life and times n., life and works n. at Compounds 3, and vita n.2 2.†IV. The genitive singular (Old English līfes) used adjectivally.14.a. Predicatively: alive; (occasionally as n.) those who are alive, the living. Obsolete.b. As a modifier: live, living. Earliest in lifesman n. at Compounds 4b. Obsolete.Phrases†P1. Forming phrases with prepositions in the sense ‘alive’. (Chiefly in the early variant form live.)a. in life. Also with life.b. of life.c. of lifes. Also in lifes. [Compare alives adj.]d. on life (also o life, etc.): see alive adj.; on lifes: see alives adj.e. to life (also northern. at life).f. upon life.P2. With for.†a. (for) life or death and variants: under all circumstances, in every way, by all means; (in negative constructions) under no circumstances, in no way. Obsolete.With form lives compare IV.b.(a) for (one's) life (also for dear life, etc.): as if, or in order to, save one's life. Cf. dear adj.1 5c, for prep. 9c.Also hyperbolically in trivial use: (I cannot) for my life, (I cannot) for the life of me.(b) for (also †upon) one's life: on a capital charge. Frequently to be tried (also on trial) for one's life (see also for prep. 9b).c. Law. for (two, three, etc.) lives: until the death of the last survivor of (two, three, etc.) specified persons (with reference to the length of time a lease, grant, gift, etc., is to remain in force ). Cf. also a (new) lease of life at lease n.3 2. Now historical.d. for life: for the remaining period of the person's life (both in general and legal contexts). for term of (one's) life: see term n. Phrases 9.president-for-life: see president n. Compounds 2.e. for once in your (also my, etc.) life: on this single occasion in your (my, etc.) life, exceptionally (chiefly hyperbolically). Cf. for once at once adv. 9.†P3. of life: dead. Cf. Phrases 12a(a) and of prep. 4a. Similarly out of life (see out of prep. 9a). Obsolete.P4. on (also †in, †of, †under, upon) pain of life: subject to the penalty of death. In early use with possessive adjective; occasionally also with and limb and other nouns. Cf. on pain of death at pain n.1 1b. Now archaic.P5.a. to the life: with lifelike representation of or resemblance to the original (said esp. of a drawing or painting); with fidelity to nature; with exact reproduction of every point or detail. †Formerly with of.†to set oneself out to the life: to adorn oneself with the utmost pains (obsolete).b. after (also from, †by) the life: (drawn, painted, etc.) from the living model, rather than copied or imagined. Also in extended use. Cf. sense 7.c.(a) as large as (†the) life and variants: lifesize; (in extended use, sometimes humorously) (present) in reality, in actual fact. Also in catchphrase as large as life, and twice as natural. See also larger-than-life adj.(b) larger than (†the) life: bigger than lifesize; (now usually, in extended use) having a more powerful personality than is natural or expected, displaying exaggerated or extreme characteristics. See also larger-than-life adj.†d. small life: (of an artistic representation) somewhat smaller than lifesize. Cf. small life-size at life-size adj. and n. Phrases. Obsolete.P6. within an inch of one's life (see inch n.1 2a.)P7. In asseverative phrases, exclamations, and oaths.a. by (also †for, †of, on) my life and variants. Now somewhat archaic.b. God's life and variants (see Cod n.4, Gad n.2); also elliptically life. Cf. also 'Slife int. Now archaic.Gad's, God's, od's, ud's my life: see at the first word; Z'life: see Zlead(s n.c. not on your life: not on any account, by no means.d. you bet your life (see bet v. d); to bet one's sweet life (see sweet adj. 8d).P8. In proverbs and proverbial phrases.a. plural. With reference to the continuation of or tenacity for life, esp. through adversity. Cf. nine lives at nine adj. 3c.b. while there's life there's hope and similar phrases.c. anything for a quiet life: expressing concession or resigned agreement, to ensure one is not disturbed.d. life is too short: there is not time (for something or to do something); time is too precious (typically used to indicate that the speaker feels there are better uses of one's time).Also in various aphorisms, as life is too short to hold grudges, life is too short to stuff a mushroom, etc.e. your money or your life: see money n. Phrases 2a(g).f. there's life in the old dog yet and variants: an assertion of continuing competence, strength, etc., notwithstanding evidence to the contrary.P9.a. in life: ‘in the world’, at all. Chiefly in (there is) nothing in life.b. Similatively: like life itself.c. such is life!: an expression of resignation or acquiescence in things as they are; similarly that's life, life's like that.d. what a life!: an expression of discontent.e. this is the life: an expression of satisfaction.f. it's a great life (if you don't weaken) and variants: an ironic comment on the difficulties of one's situation.g. how's life?: ‘how are things going?’, ‘how are you getting along?’ Also with various extensions.P10. In idiomatic collocation with nouns.a. a life for a life: an expression of the ‘law of retaliation’ (chiefly in biblical allusion: see lex talionis n. and an eye for an eye (and a tooth for a tooth) at eye n.1 Phrases 4a(a)). Also life for life, † life with life.b. life and soul. Cf. body n. 1b and heart and soul n.the life and soul of (a party, etc.): see sense 5a.c. life and limb (formerly also †life and member): esp. in the context of physical danger, as to venture (also risk) life and limb, etc. Cf. also Phrases 4.d. life after death: a state of existence after death (esp. as a matter of speculation or debate); resurrection, survival of the soul.e. life means life (also life should mean life): used to express the principle or belief that a life sentence passed down by the judicial system should result in life imprisonment for the offender, with no possibility of release. Cf. sense 8b, life sentence n. 1.f. there is (a) life after ——: it is possible to enjoy or make a fresh start in life after (a particular experience, event, situation, etc.); it is possible to manage without (something or someone considered to be essential). Frequently humorous.g. life in the fast lane (see fast lane n. 2).P11. to —— the life out of. Cf. to death at death n. Phrases 1.a. To —— a person, resulting in death. Also figurative.b. To —— a person or thing to an extreme, violent, or unpleasant Degree Cafe. also to bother the life out of at bother v. and int. Phrases 2a, to pester the life out of at pester v.1 4c, to plague the life out of at plague v. 2b.P12. In idiomatic collocation with verbs.a.†(a) to go (also fare, (i-)wite) (out) of life: to die. See also to sye of life (sye v.1 2c). Obsolete.†(b) to do (also i-do, draw) of life: to kill, destroy. Obsolete.(c) to bring (out) of life (also life's day) (to kill: see bring v. 8b).b.(a) to come to life: to recover from or as from death; to regain consciousness. Also: to develop or show signs of life; to become animated. Also figurative.(b) to bring (back) to life: to cause to recover from or as from death; to cause to regain consciousness. Also: to imbue with life; to animate. Also figurative and in extended use.c. to lose (also give, lay down, etc.) one's life.d. to save (one's, or another's) life: see save v. Phrases 1 (also hyperbolically at save v. Phrases 1b).e. to lead (also live) a double life (see double adj.1 5).†f. to give life to: to bring into active use; to impart an impetus to. Obsolete.g. to take the life of (someone), to take one's (own) life: see take v. Phrases 3a.h. to live one's own life: to conduct oneself without reference to the opinions of others; to live according to one's plan or principles. Cf. live v.1 5.i. to make a life: to live contentedly, successfully, or satisfactorily, esp. in new or difficult circumstances; (also) to make life satisfactory, or to provide the necessities for living, for oneself or another.j. Australian and New Zealand colloquial. to go for one's life: to make a wholehearted effort; to set about something with vigour and enthusiasm. Usually in imperative, expressing support and encouragement. Cf. to go for it at go v. Phrasal verbs 2.k. slang (originally U.S. ) (usually derogatory). to get a life: to adopt a more worthwhile and meaningful lifestyle, esp. by making new acquaintances or developing new interests, or by abandoning pointless or solitary pursuits. Frequently in imperative (esp. as a rebuke): stop being so boring, conventional, old-fashioned, etc.; start living a fuller or more interesting existence.P13. In of-phrase or genitive.a. change of life (see change n. Phrases 2).b. a matter of life and (also or) death: something on which the life or death of a person depends; (also in extended use) a matter of vital importance or extreme urgency.c. life's rich pageant: see pageant n. 3c.d. power of life and death (see power n.1 Phrases 11.)e. of one's life: used to indicate the most significant example or event of its kind in one's life and (more recently also in weakened use) an exceptionally enjoyable or notable example or event (as the time of one's life, etc.). See also the surprise of one's life at surprise n. 4b.f. one of life's ——s: denoting a person who is a —— by nature; a habitual, perpetual, or archetypal ——.P14. Followed by of-phrase.a. the life of Riley (see Riley n.).b. the life of the mind [compare post-classical Latin vita mentis (6th cent.)] : intellectual or aesthetic pursuits, scholarship; (also) meditation, the realm of the imagination.c. colloquial. a life of its own: (with reference to an inanimate object, abstract quality, emotion, etc.) a vitality, force, or motion which seems to function independently of any human intervention; a separate existence or history. Frequently in to have (also take on) a life of its own; cf. to have a mind of one's own at mind n.1 17f.CompoundsC1.a. General use as a modifier.(a) As life-air, life-beauty, life-meaning, life-stuff, life vein, life-wreck, Site Maintenance modern use frequently in literary contexts; particularly characteristic of the work of Thomas Carlyle and D. H. Lawrence. [In 19th- and 20th-cent. uses frequently after similar formations in German, although the regular German combining form is Lebens- , originally a genitive (compare Compounds 4).](b)life-activity n. [originally after German Lebensthätigkeit (1844 in the passage translated in quot. 1854)]life-centre n. [probably originally after German Lebensmittelpunkt (1821 or earlier)]life-chance n.life-course n.life drama n. [probably after German Lebensdrama (1822 or earlier)]life experience n. [compare German Lebenserfahrung (1805 or earlier)]life flame n.life-flow n.life habit n.life instinct n.life journey n.lifemate n.life orientation n.life path n. [compare German Lebensweg (second half of the 18th cent., or earlier)]life pattern n.life phase n. [compare German Lebensphase (1838 or earlier)]life plan n.life-principle n.life process n. [after German Lebensprocess (1836 in the passage translated in quot. 1838, now Lebensprozess)]life situation n. [compare German Lebenssituation (1834 or earlier)]life-space n. [in later use after German Lebensraum space to live, habitat (see Lebensraum n.)]life-stream n.life-urge n.b. Objective.(a) As life-abhorring, life-accepting, life-begetting, life-bringing, life-devouring, life-quelling, life-shaking, life-working adjectives.(b)life-affirming adj.life-bearing adj.life-breathing adj.life-changing adj.life-denying adj.life-destroying adj.life-enhancing adj.life-extending adj.life-loving adj.life-preserving adj.life-prolonging adj.life-renewing adj.life-restoring adj.life-sapping adj.life-shortening adj.life-sustaining adj.life-threatening adj.(c) With agent nouns.life-brightener n.life-denier n.life-enhancer n.life-lover n.c. As a modifier, with the sense ‘by, towards, or with life’, as life-clouded, life-crowded, life-deserted, life-oriented, life-penetrated, etc.With past participles.d. Modifying adjectives and participles, with the senses ‘of, in, or towards life’.(a) life-bereft, life-busy, life-empty, life-friendly, life-lost, life-old, life-thirsting, etc. Also occasionally: ‘lifelike’, as †life-expression (obsolete).(b)(i)life-weary adj.(ii)life-struggle n.life-weariness n. [perhaps after German Lebensmüdigkeit (1811 or earlier)]e. With the sense ‘lasting for a lifetime, lifelong; during one's whole life, for life’.purchased life annuity: see purchased adj. Compounds.C2. In senses relating to Art (see sense 7).a. With the sense ‘from the life, involving a living model’; ‘drawn (painted, etc.) from the life’.life drawing n.life study n.b. With the sense ‘for the study of the life or life drawing’.life academy n.life class n.life model n.life room n.life school n.c. With the sense ‘imparting or bringing to life’.† life touch n. ObsoleteC3.life and times n. a biography combined with a study of the public events of the subject's lifetime.life and works n. (also life and work) [compare post-classical Latin vita et opera (1711 in a work title, or earlier), vita atque opera (1683 in a work title, or earlier), earlier opera et vita (1524 in a work title, or earlier)] a biography combined with a study of the writings of the subject.† life-arrow n. Obsolete a barbed arrow with a line attached, fired from a gun in order to establish communication with a vessel in distress; cf. life gun n., life-shot n.life assemblage n. Palaeontology a group of fossils preserved together in one location, representing a former community of living organisms (biocoenosis).life assurance n. [ < life n. + assurance n. (compare assurance n. 5)] Chiefly British = life insurance n.lifebelt n. (a) a belt or jacket of buoyant or inflatable material, worn to support the body in water; (b) a (usually rigid) buoyant ring used to support the body in water; cf. lifebuoy n.life-breath n. (a) the breath that supports life; cf. breath of life at breath n. Phrases 1a; (b) figurative an inspiring influence, a sustaining principle; cf. lifeblood n. 1.lifebuoy n. a (usually rigid) buoyant ring or other device used to support the body in water; = buoy n. 1b.life care n. †(a) worldly care, anxiety about life (obsolete); (b) U.S. long-term residential care, esp. for the elderly, in which accommodation and medical services are purchased for life; frequently attributive.life coach n. originally U.S. a person whose job is to offer advice and guidance on how to achieve professional or (esp.) personal goals.life coaching n. originally U.S. the provision of advice and guidance on how to achieve professional or (esp.) personal goals; the work of a life coach.life companion n. a spouse; a member of a couple in a permanent relationship; = life partner n.life company n. a life-insurance company.life cover n. chiefly British = life insurance n.; cf. cover n.1 5b and whole-life adj. at whole adj., n., and adv. Compounds 1b.life cord n. = life string n. (in modern use esp. a spinal or umbilical cord); also in extended use.life craft n. †(a) a small boat launched from land to rescue people in distress at sea (obsolete); (b) a small craft, carried on board a larger one, by which escape may be made in an emergency, a lifeboat; (also with plural agreement) boats of this nature.† life-dead adj. Obsolete suffering a living death.life energy n. [compare German Lebensenergie (1791 or earlier)] vital energy; = life force n.life estate n. Law an estate or property which a person holds for life but cannot dispose of further; (also) = life interest n.life event n. (originally simply) an event in a person's life; (now usually) spec. a significant event that causes a major change in a person's life, such as marriage, the birth of a child, etc.life expectancy n. [compare German Lebenserwartung (1837 or earlier)] the average period that a person (of a specified age, state of health, etc.) may be expected to live, esp. as derived from statistics of the population at large (cf. expectation of life at expectation n. Phrases 5, life expectation n.); also in extended use.life expectation n. = life expectancy n. (cf. expectation of life at expectation n. Phrases 5).life-expired adj. chiefly British (originally Railways) (of equipment, machinery, etc.) no longer suitable for use due to age, wear, or obsolescence.life force n. (a) vital energy; a force that gives something its vitality or strength; cf. élan vital n., will n.1; (b) the spirit which animates living creatures; the soul.life-forcer n. now historical a believer in Bergson's philosophy of the élan vital (cf. élan vital n.) or in a similar philosophy maintained by others.life gun n. a gun used for sending a communication line or lifesaving apparatus to a vessel in distress.lifehold adj. Law (now historical) attributive designating property which is held for a life or lives.life holder n. Law (now chiefly historical) = life tenant n.life imprisonment n. imprisonment for life; a life sentence (cf. life sentence n. 1).life-index n. (in folklore) an external object whose condition is held to reflect the state or condition of a person, esp. as regards health or safety.life insurance n. insurance for payment on the death of the person insured (cf. insurance n. 4 and life assurance n.).life insurance policy n. a policy (policy n.2) which provides life-insurance cover; also figurative.life interest n. an interest or estate which ends with the life of the holder or of another person; a right to a life estate.life jacket n. a jacket of buoyant or inflatable material for supporting the body in water (cf. life vest n.).† life-knot n. [after French nœud vital (1828 in the passage translated in quot. 1829)] Botany Obsolete the neck or collar (junction of the stem and root) of a plant.life lesson n. a lesson (or in later use an experience, situation, etc.) which conveys something instructive or valuable about life or principles for living one's life.life list n. Ornithology (originally U.S.) a record of all of the bird species identified by a birdwatcher during his or her life.life mask n. a cast (in plaster or a similar material) taken from the face of a living person; cf. death-mask n. at death n. Compounds 2.life member n. a person who holds lifelong membership of a society or other organization; also in extended use.life membership n. lifelong membership of a society or other organization.life mortar n. now historical and rare a mortar for discharging a life rocket to a vessel in distress; cf. life gun n.life net n. U.S. a net used to save the life of a falling person, esp. a safety net held by rescuers to catch people jumping from a burning building.life office n. an office or company which deals in life insurance.life partner n. either member of a couple in a romantic relationship which is regarded as permanent; a spouse; cf. partner n.1 5a.Formerly usually denoting a married person; now increasingly used to refer to a member of a couple in a long-standing relationship of any kind, so as to give equal recognition to marriage, cohabitation, same-sex relationships, etc.life plant n. now rare any plant of the tropical genus Kalanchoe (formerly Bryophyllum) (family Crassulaceae), many members of which bear plantlets on their leaf margins.life policy n. = life insurance policy n.; cf. whole-life adj. at whole adj., n., and adv. Compounds 1b.life raft n. a small craft (now typically a shallow, inflatable boat) designed for use in an emergency at sea (cf. raft n.1 3d); also in extended use.life rate n. the rate or sum for which a life may be insured.life regiment n. a regiment of lifeguards (lifeguard n. 1).life ring n. chiefly North American = lifebelt n. (b).life rocket n. now chiefly historical a rocket to which a line is attached, fired to establish communication with a vessel in distress; cf. life-shot n.life root n. (more fully life root plant) golden ragwort, Packera aurea, used medicinally for a wide variety of complaints.life savings n. the money saved by a person throughout his or her entire life; all of the money that a person has at his or her disposal.life science n. = biological science n. at biological adj. and n. Compounds; (also) any of various social sciences (now rare).life scientist n. an expert or specialist in (a) life science.† life-shot n. Obsolete a projectile used to carry a communication line to a vessel in distress (cf. life rocket n.).† life-sin n. Obsolete rare sin perpetrated by action or deed during one's lifetime; = actual sin n. at actual adj. and n. Compounds.† life sithe n. Obsolete the course or duration of a person's life; a lifetime.life skills n. originally U.S. the basic practical, social, and other skills needed to deal with the requirements of everyday life or to function normally in society.lifespan n. a lifetime; the period of existence or duration (of an animate or inanimate thing).life spencer n. [ < life n. + spencer n.2 (compare spencer n.2 2)] now historical a cork jacket for supporting the body in water (cf. life jacket n.).† life-spot n. Whaling Obsolete a vulnerable point behind the fin of the whale into which a lance may be thrust to kill the animal (cf. sense 2c).life spring n. the spring or source of life; frequently in extended use.life stage n. a stage of the life cycle of an organism or species, or (more generally) of the life of a person.life story n. the story of a person's life, a biography; cf. life history n. 1.life string n. now rare a string or nerve supposed to be essential to life (frequently in plural); also in extended use.life system n. a system of living; a system of analysing or classifying life; (in later use) esp. a life support system.life table n. (a) a table of statistics relating to life expectancy as a function of age; an actuarial table; (b) Zoology a similar table for a population of animals divided into cohorts of given age.life tenancy n. Law the holding of a tenancy until the death of the holder; (also) a tenancy of this nature.life tenant n. Law a person who holds a life tenancy (cf. life holder n.); also in extended use.life term n. (a) chiefly poetic the duration of a person's (or animal's, etc.) life, a lifetime (now rare); (b) = life sentence n. 1.† life-throw n. [ < life n. + throw n.1] Obsolete a lifetime; one's lifetime.life-tide n. †(a) the stream or flow of lifeblood (in quot. by extension perhaps: (one's) livelihood, inheritance) (obsolete); (b) the tide or stream of (one's) life (now rare and archaic).life token n. †(a) something that betokens life (obsolete); (b) (in folklore) = life-index n.life tree n. = tree of life n. at tree n. Compounds 3b (esp. in tree of life n. (a) at Compounds 3b).life vest n. chiefly U.S. = life jacket n.† life-while n. [ < life n. + while n.] Obsolete a lifetime; one's lifetime.life-work n. [compare German Lebenswerk (early 19th cent.); compare life's work n. at Compounds 4b] the work of a lifetime; the work which is the object or activity of a person's whole life, a career.life-world n. [in later use after German Lebenswelt Lebenswelt n.] the sum of immediate experiences, activities, and contacts that make up the world of an individual, or of a corporate, life; spec. in the philosophy of Husserl.life-writer n. a biographer.life-writing n. biography.† life-writing adj. Obsolete that writes biographies.life zone n. Ecology (a) a zone in which life occurs, or in which the greatest number of living organisms may be found; (spec.) that down to a certain depth in the sea; (b) chiefly North American a geographical area or zone and its associated ecosystems or communities, either on a large scale (a biome) or, more usually, on a small scale (as an altitudinal zone).C4. Compounds in the genitive (13–17th cent. in form lives).Cf. sense 14b. Modern instances are typically not fixed compounds.a. Chiefly with preceding possessive, in the sense ‘of one's life’, as life's book, life's food, etc.b.† life's blood n. Obsolete = lifeblood n. 3.† life's day n. Obsolete = life-day n.; cf. bring v. 8b, day n. Phrases 1c.life's end n. somewhat archaic the end of one's life, one's death.† lifesman n. (chiefly in form livesman) Obsolete a living person.† life's time n. Obsolete = lifetime n.† life's wet n. (in form liues-wet) Obsolete one's blood.