Question 1

Are you a fiduciary?

Accepted Answer

Yes. Lock Wealth Management is a fee-only fiduciary. We're paid only by our clients — never by commissions or product sales — and we're legally and ethically required to put your interests first at all times.

Question 2

What's the difference between fee-only and commission-based advisors?

Accepted Answer

Fee-only advisors are paid only by their clients, with no commissions or product kickbacks. Commission-based advisors earn money when they sell you something, which can create conflicts of interest. Fee-only keeps our incentives lined up with yours.

Question 3

When should I hire a financial advisor?

Accepted Answer

Most people benefit from professional planning when life gets financially complex — typically within 10 years of retirement, after a liquidity event, when equity compensation or business income becomes meaningful, or when a major life change (inheritance, divorce, loss of a spouse) is on the horizon. If you're losing sleep over money decisions, that's usually the signal.

Question 4

Who do you typically work with?

Accepted Answer

Pre-retirees and retirees (typically age 55+) who want a clear plan for turning a lifetime of savings into reliable, tax-efficient retirement income. We also work with business owners navigating exit and succession planning.

Question 5

How are your fees structured?

Accepted Answer

Transparent, flat-percentage fees on assets under management — 1.00% up to $1M, 0.75% from $1M–$3M, and 0.50% above $3M. Comprehensive financial planning is bundled in at no extra cost for clients above $500k. No commissions, no hidden fees.

Question 6

Do I need to be local to Atlanta?

Accepted Answer

No. We're based in Midtown Atlanta but serve clients across the country via secure video meetings. Many of our clients have never set foot in our office.

Question 7

What does the first meeting look like?

Accepted Answer

It starts with a free 15-minute intro call to see whether we're a good fit. It's a conversation about where you are and what you're trying to figure out, not a sales pitch.

Question 8

How is a CFP® different from other advisors?

Accepted Answer

CFP® professionals complete rigorous education, pass a board exam, log thousands of hours of real planning experience, and are bound by a fiduciary code of ethics. The training covers retirement, tax, estate, insurance, and investment planning as one discipline rather than investments alone.

Question 9

Will AI replace financial advisors?

Accepted Answer

No. AI is good at calculations and explanations. The harder part is judgment: deciding when to retire, how to draw income tax-efficiently, and how to stay disciplined when markets get ugly. That's the work we do with you.

Question 10

Is my data safe?

Accepted Answer

Yes. We use reputable, security-vetted providers, limit data sharing, and follow strict security practices. We never publish or sell client data.

Atlanta Financial
Advisor

A different kind of wealth management firm.

Fee-only fiduciary

Retirement-focused

Headquartered in Atlanta

Your CFO for life's financial decisions.

Questions clients commonly ask

Let's talk about what's next.

Atlanta FinancialAdvisor