Are hidden fees quietly draining your retirement?
Most 401(k)s, IRAs, and investment accounts carry fees that are hard to spot — and they compound over time. We'll show you where to look and what they could be costing you.
Lock Wealth Management is a fee-only fiduciary firm in Atlanta led by Ben Loughery, CFP®, CRPC™. No commissions. No product sales. Just an honest look at what you're paying.
No obligation. US residents only.
What the fee review covers
Find the fees most people miss
Locate hidden costs
We identify expense ratios, advisory fees, transaction charges, and product-level costs across your retirement accounts.
Estimate the impact
Even a 1% difference in fees can cost tens of thousands over a retirement. We'll translate your numbers into real dollars.
Get an action plan
You'll leave with clear next steps — whether that means consolidating accounts, switching funds, or simply staying the course.
Your advisor
Ben Loughery, CFP®, CRPC™
Founder & Lead Advisor at Lock Wealth Management. 10+ years at Capital Group and Invesco. Fee-only fiduciary based in Atlanta, serving clients virtually across the US.
- Fee-only — no commissions, no product sales
- CFP® and CRPC™ credentialed
- Featured in Forbes, Barron's, Kiplinger, and Morningstar
- Coordinated tax support through Jalada for advisors
What clients say
Rated 5.0 across verified reviews
"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.
"I have more clarity and confidence around my retirement planning. Thoughtful, knowledgeable, and easy to talk to."
— Toni
Common questions
What to expect
What kinds of fees will you look at?
We review expense ratios, advisory fees, transaction costs, and any embedded charges inside annuities or other products. The goal is to show you what's actually being deducted and whether you're getting value for it.
Is this a sales pitch?
No. The fee review is a 15-minute conversation. We'll point out what we see and answer your questions. If working together makes sense, we'll explain how. If not, you'll still know more than when you started.
Do I have to move my accounts?
No. You don't need to move money to work with us for planning. If you eventually want investment management, that's a separate conversation and entirely your choice.
How are you paid?
We're fee-only and fiduciary. We're paid only by our clients — never by commissions or product sales — so our incentives stay aligned with yours.
Stop wondering what your investments cost
Book a free 15-minute fee review. We'll show you where to look and what those fees could mean for your retirement.
US residents only. No spam, ever.