Lock Wealth Management

Service

Fee-only financial planning in Atlanta

Fee-only means every dollar we earn comes from you. No commissions, no product payouts, no revenue sharing from a fund family or an insurance company. What you pay is a flat monthly planning fee — and if you also want us to manage money, that is a separate, optional, asset-based fee you hear about during your proposal, before you sign anything.

In short

Lock Wealth Management is a fee-only, fiduciary, CFP®-led planning firm at 1372 Peachtree Street NE in Midtown Atlanta, working with pre-retirees and retirees across the United States. Households pay a flat monthly planning fee starting at $250/month, and investment management is optional, billed as an asset-based fee on the accounts we manage.

What this actually involves

Advice with nothing attached to it

When we recommend a move, there is no payout on the other side of it for us to weigh. That removes a conversation you would otherwise have to have in your head.

A written plan you can act on

Not a slideshow of projections. Specific moves, in order, with the numbers behind them and the reasons they are in that order.

A fiduciary in writing

We are legally required to put your interest first — at all times, not only when we are managing money for you.

Fees that do not punish you for doing well

Your planning fee does not rise because your portfolio did, and it does not fall because the market did. If we also manage accounts, that is a separate asset-based fee you choose.

Straight answers, including the unwelcome ones

If the plan says you cannot spend what you had hoped, or if we are simply not the right firm for your situation, you will hear it from us before you hire us.

Who this is for

  • You want planning without a salesperson attached to it.
  • Your current advisor manages a portfolio but nobody has shown you a plan.
  • You were sold an annuity or a policy you cannot quite explain and want a second look.
  • You want a plan a family member could pick up and follow.
  • You would rather pay a known monthly number than a percentage you did not choose.

Who this is not for

  • You want someone to sell you a product — we do not have one to sell you.
  • You need a tax return prepared or a legal document drafted; we will point you to who does.
  • You are shopping for the cheapest advice rather than the right advice.
  • You would prefer we agree with whatever you have already decided.

Hypothetical illustration

A household came to us holding three annuity contracts bought from a previous advisor and a portfolio of funds chosen by their employer. Nothing was fraudulent and nothing needed unwinding. What was needed was a written plan: which money to spend in which order, what to claim when, and which of those contracts were actually doing anything for them. Two of the three turned out not to be, and the fee-only structure is why we could say so.

Illustration only. It does not represent an actual client situation and is not a guarantee of results.

How our fees work

We're paid only by our clients: a flat monthly planning fee, plus an optional asset-based fee for the accounts we manage. No commissions, no product payouts, no revenue sharing.

Foundations

$250/month

Get organized, build a plan, and keep an advisor in your corner.

Comprehensive

$400/month

Broader planning across taxes, estate, and long-term goals.

Business owner

$800/month

Integrated advice across personal and business finances.

Investment management is optional and billed separately as a percentage of the accounts we manage; we walk through it during your proposal meeting. See the full process and fee details.

Questions about fee-only financial planning in atlanta

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Talk to a fee-only fiduciary

A free 15-minute call with Ben Loughery, CFP®, CRPC™. No cost, no obligation, and no product to sell you at the end of it.

Schedule a free 15-minute call

No cost, no obligation, and nothing to sell you at the end of it.