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. Fee-only — no commissions, no kickbacks.

Foundations

$100/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

You don't need to move your money to work with us. If you choose to add investment management, our fee is 1.00% on the first $1M, 0.75% on $1M–$3M, and 0.50% above $3M.

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