Lattice Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$5,504,254
Clients
15
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
15
LowAverage account size
$366,950
About
Lattice Financial, LLC is a fee-only investment adviser registered in North Carolina that provides ongoing, personalized investment management and financial planning services to individuals and high-net-worth clients, and also works with charitable organizations. The firm additionally offers project-based financial plans and occasional educational seminars covering topics such as retirement, tax planning, estate considerations, and cash-flow analysis.
Investment programs are implemented from client-specific investment policy statements and asset-allocation targets, with a mix of systematic (passive) and active management and fundamental analysis for individual securities. Accounts are reviewed at least quarterly and managed with discretionary authority under executed advisory agreements; the firm may employ tax-loss harvesting and uses a range of instruments including mutual funds, ETFs, municipal and corporate bonds, interval funds, and insurance-linked securities when appropriate.
Compared with many peers, the firm’s brochure discloses that it provides portfolio management services to institutional-type clients and to charitable organizations, a client mix that is relatively uncommon for independent advisers of this size. The firm also emphasizes a fee-only compensation model with no outside product commissions and notes that its lead advisor holds CFP certification and advanced legal/economic education, which the brochure cites as supporting its written planning process and fiduciary disclosures.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Income planning
College savings (529s, UTMA, etc.)
Tax-loss harvesting
Fee options
Fixed fee for Project-Based Financial Planning, fee agreed upon before starting work, negotiable.
$0 - $1,000,000: 1.00% $1,000,000.01 - $2,000,000: 0.75% $2,000,000.01 - $3,000,000: 0.50% $3,000,000.01 - $4,000,000: 0.40% $4,000,000.01 - $5,000,000: 0.30% $5,000,000.01+: 0.20%
Account minimum: $250,000 Fee-only: Project-Based Financial Planning on a fixed fee basis, negotiable, not to exceed $500 more than 6 months in advance.
Main office location
Lattice Financial, LLC
Charlotte NC, United States
Number of offices
1
Most active in
Lattice Financial, LLC has reported serving >5 clients in these states in the last 12 months.
North Carolina · South Carolina
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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