Lock Wealth Management

How we work

Process & fees

Work with Lock Wealth for financial planning only, or add investment management when the time is right. We're fee-only, so we take no commissions and no kickbacks.

Foundations

$250/month

For individuals and households ready to get organized and build momentum.

  • Personalized financial plan
  • Quarterly planning meetings
  • Cash flow & savings guidance
  • Retirement planning basics
  • Ongoing advisor access
Most popular

Comprehensive

$400/month

For households needing broader planning across taxes, estate, and long-term goals.

  • Everything in Foundations
  • Tax planning & coordination
  • Portfolio review & allocation guidance
  • Estate & beneficiary planning
  • Advanced implementation support

Business owner

$800/month

For business owners who need integrated advice across personal and business finances.

  • Everything in Comprehensive
  • Business tax strategy
  • Succession & exit planning
  • Business continuity planning
  • Personal + business integration

Investment management (optional)

You don't need to move your money to work with us. If investment management is the right fit, we'll review the available options and associated fees during your proposal meeting.

Schedule a complimentary call

Getting started

How it works

Three meetings to go from curious to fully underway.

1

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
2

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
3

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
Start your journey

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