Securing Your Retirement Income
Lock Wealth provides retirement planning for people age 50+ and helps answer
Do I have enough?
How do I invest my nest egg?
When should I file for Social Security?
How can I create a tax-smart retirement paycheck?
Wondering when to retire or how to make your savings last? We’ll help you create a personalized plan to decide when to retire, how to draw income, and how to reduce taxes so you can step into retirement with confidence.
Already retired or working part-time? We’ll help you stretch your savings, coordinate Social Security and investments, and simplify decisions so you can enjoy retirement with clarity and confidence.
As Featured In: Kiplinger, Forbes, Barron's and more, where Ben Loughery has shared expert insights on retirement strategies and market trends.
You’ve climbed the mountain. Now let’s get you down safely.
".....He is patient and explained everything in a way that made sense, without me feeling overwhelmed."
-Lynn N.
"....I've felt a noticeable sense of tranquility thanks to the time and research."
-Jassiel V.
"....Ben is the kind of advisor who truly puts his clients' interests first, and it shows..."
-Evan L.
Questions people ask.
Where else can we find you in the press?
Morningstar — I’m 62, retired and worried. Should I buy gold in case the financial system implodes?
CBS News — Should you lock in a CD rate this July or wait? Here’s what experts think.
TheStreet — The 9 worst states for Social Security income taxes
Rethinking65 — Why market volatility isn’t sending these investors for a loop
Kiplinger — Retire in Italy for culture and beauty
Kiplinger — How can investors profit from AI’s energy use?
ComparisonAdviser — Key retirement questions answered by Ben Loughery (expert interview)
SuperAge — Wealthspan: Why financial vitality is part of longevity
Financial Planning — Helping clients choose between DAFs and private foundations
Financial Planning — How to build close client relationships in wealth management
Financial Planning — Keeping the kids: An advisor’s guide to retaining next‑gen clients
Financial Advisor Magazine — ‘We’re not concerned’: Advisors take tariffs selloff in stride
AOL Finance — Is gold a good investment?
Investopedia — The rise of the semi‑retired life
Media inquiry? Email support@lockwealthmanagement.com.
What services do you offer?
Our aim is to help you get the most out of life with your money. To do that means we want to take as much of the planning off your plate as possible and be your CFO. We help clients with:
- Retirement planning
- Investment management
- Tax planning
- Estate planning
- Insurance review
- Cash flow planning
And everything else needed to ensure you feel good about your financial future.
What is the significance of the CFP® Certification?
Ben Loughery is a CERTIFIED FINANCIAL PLANNER® practitioner (letsmakeaplan.org), and part of a select group—only about 28% of financial advisors hold this designation. The CFP® certification is widely regarded as the gold standard in the industry, reflecting a commitment to rigorous education, high ethical standards, and a comprehensive approach to financial planning. This designation ensures he is uniquely equipped to help clients navigate complex financial decisions with confidence and clarity.
The CFP® certification was earned through an educational program at The University of Georgia’s Terry College of Business. The certification process includes a challenging six-hour exam, and to meet the experience requirement, financial professionals must accumulate 6,000 hours of financial planning experience.
What can I expect if we work together?
We’re an independent registered investment advisor. This means that we are not tied to specific products or sales quotas. We recommend the strategies we believe are in your best interest. As a fiduciary, we are legally obligated to put clients first. We're headquartered in Atlanta, Georgia and work with clients remotely across the United States, with a focus on maximizing their retirement.
We'll meet several times in the beginning around on boarding and then we hold at least two review meetings per year. You'll get monthly newsletters and other timely check-ins as needed. Meet our team here
How do you get paid?
Our fee is based on the total value of the assets we manage and includes both financial planning and investment management.
—$250 / month between $0 and $300,000
—1% between $300,000 and $1,000,000
—0.75% between $1,000,00 and $3,000,000
—0.50% above $3,000,000
We don’t get paid through any type of commission, kickback, or other undisclosed revenue sources. Fees are deducted directly from your account.
Example: A client with $500,000 invested would pay approximately $5,000 per year (1%)
Do I have enough money to become a client?
We work with people from all walks of life. Most of the people we serve have built portfolios of at least $1 million (excluding current 401(k)s if under age 59.5, real estate, and 529 plans) and are ready to delegate. We ask to manage all assets that are available for direct management so we can deliver advice that’s fully integrated across your financial life.
