How we work
Process & fees
Work with Lock Wealth for financial planning only, or add investment management when the time is right. Fee-only — no commissions, no kickbacks.
Financial Planning
Monthly subscription planning for clients building toward $500k+ in investable assets — or anyone who wants a CFP®-led plan without moving accounts.
- Retirement income & withdrawal strategy
- Tax planning & Roth conversion analysis
- Cash flow, savings & debt review
- Insurance & estate coordination
- Ongoing advisor access
Wealth Management
Comprehensive financial planning bundled with full investment management for households with $500k+ in investable assets.
- Everything in Financial Planning
- Discretionary investment management
- Tax-aware portfolio construction
- At least two review meetings per year
- Monthly newsletter & timely check-ins
Business Services
For business owners and plan sponsors who want integrated advice across personal and business finances.
- 401(k) plan sponsor services (3(21) Co-Fiduciary)
- Corporate wellness programs
- Business owner retirement planning
- Personal + business integration
- Succession & exit considerations
Investment management fees
Transparent, asset-based pricing.
Our fee is based on the total value of the assets we manage and includes both financial planning and investment management for assets over $500,000. Fees are deducted directly from your account — no commissions, kickbacks, or undisclosed revenue.
| Assets under management | Annual fee |
|---|---|
$0 – $1,000,000 Investments under $500,000 use a monthly financial planning fee | 1.00% |
$1,000,000 – $3,000,000 | 0.75% |
Above $3,000,000 | 0.50% |
Example: a client with $500,000 invested would pay approximately $5,000 per year (1%).
Getting started
How it works
Three meetings to go from curious to fully underway.
Discovery meeting
We get to know each other — your goals, your situation, and what's keeping you up at night financially.
- No commitment required
- ~15 minutes
- Virtual, phone, or in person
Proposal meeting
We present your personalized plan, walk through your financial snapshot, and explain exactly what it costs to work together.
- Your financial snapshot
- Options presented, no obligation
- Q&A, no pressure
Implementation & service calendar
We put the plan into motion and welcome you into the service calendar — your year is mapped out from day one.
- Action items assigned
- Accounts & tools set up
- Review meetings scheduled
What to expect
Your year at a glance
Every quarter has a focus. Here's how we spend our time together.
Q1 — Jan–Mar
Tax & cash flow
- Tax planning kickoff
- Cash flow review
- Set annual goals
- Review prior year plan
Q2 — Apr–Jun
Planning & savings
- Tax return follow-up
- Savings strategy check-in
- Mid-year projections
- Action item review
Q3 — Jul–Sep
Investments
- Portfolio review
- Rebalancing discussion
- Risk & allocation check
- Retirement account review
Q4 — Oct–Dec
Protection & updates
- Beneficiary review
- Insurance check
- Estate document update
- Year-end tax moves