Lloyd Financial Group LLC

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Client assets under management

$19,861,916

Clients

25% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$993,096

About

Lloyd Financial Group LLC provides discretionary investment management and financial planning to individuals, trusts, and estates, overseeing roughly $19.9 million in client assets for about 20 clients through a two-advisor team. Services include customized portfolio construction using low-cost mutual funds and ETFs, occasional individual securities, and access to third-party independent managers via an institutional platform.

The firm’s investment approach is primarily long-term and grounded in fundamental analysis, with portfolios tailored to each client’s objectives, risk tolerance, and tax considerations and rebalanced or adjusted as needed. Lloyd Financial operates as a fiduciary, conducts ongoing monitoring and written reporting, and typically implements strategies on a discretionary basis through an institutional custody relationship.

Noteworthy aspects include a holding-company ownership structure and a principal who maintains a state insurance license while the brochure states the license is not used to sell insurance products to clients—an affiliation profile that is less common among peers. The firm is newly established (2025) and relatively small, and its advisory team includes credentialed investment professionals (CFA and CRPC) who combine in-house portfolio management with selective use of independent managers.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

General retirement planning Wealth management Cash flow / budgeting

Demographic focus

Young Professionals

Fee options

Fixed

Financial planning services with fixed fees up to $5,000 per engagement, negotiable

Percentage

$0 - $500,000: 1.60% annually $500,001 - $1,000,000: 1.40% annually $1,000,001 - $2,000,000: 1.20% annually $2,000,001+: 1.00% annually

Other

Fee-only: Investment advisory fees plus fixed fees for financial planning services (up to $5,000 per engagement, negotiable)

Main office location

Lloyd Financial Group LLC

9936 Old Union Rd.

Union KY 41091, United States

Number of offices

Most active in

Florida · Kentucky · Ohio

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook X Instagram Website (661) 556-9334

Advisors at this firm

Colin S

CFA®, Series 65

Cocoa, FL

Lloyd Financial Group LLC

Colin Symons is a CFA® charterholder with 26 years of experience in the financial industry. He is currently with Lloyd Financial Group LLC, where he has worked since 2025. Prior to this, he was with Symons Capital Management, Inc. for 24 years and also spent time at Strategic Wealth Partners, Ltd. from 2021 to 2023. Lloyd Financial Group LLC provides discretionary investment management and financial planning services to individuals, high net worth clients, trusts, and estates. The firm employs a fundamental analysis approach with a long-term orientation, using low-cost mutual funds, ETFs, and, when appropriate, individual securities, while acting as a fiduciary and overseeing client portfolios with tailored strategies.

General retirement planning Wealth management Cash flow / budgeting Young Professionals

Lucas L

Series 65

Union, KY

Lloyd Financial Group LLC

Lucas Lloyd is a financial advisor with Lloyd Financial Group LLC, holding a Series 65 designation and five years of industry experience. Prior to joining Lloyd Financial Group in 2025, he worked at Strategic Wealth Partners, Ltd. for six years and was employed at Muskingham University for four years. He maintains an inactive insurance license but does not engage in insurance sales. Lloyd Financial Group provides discretionary investment management and financial planning services to individuals, high net worth clients, trusts, and estates. The firm’s investment approach is based on fundamental analysis and a long-term orientation, with portfolios customized to client objectives and monitored for rebalancing or tax considerations.

General retirement planning Wealth management Cash flow / budgeting Young Professionals

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