Locker Financial Services, LLC

Locker Financial Services is a fee-only advisory firm that serves individual clients (including high-net-worth households) and occasionally professionals who sponsor retirement plans, offering comprehensive financial planning, consulting, and discretionary portfolio management. The firm manages client assets primarily through diversified mutual funds and ETFs and commonly recommends maintaining accounts at Charles Schwab for custody and execution.

The firm’s planning process emphasizes an integrated, scenario-based financial plan delivered in a 2–3 hour presentation with a digital plan for clients to keep, follow-up phone or email support, and an expected completion window of about 6–8 weeks from engagement. Investment management centers on strategic asset allocation guided by Modern Portfolio Theory, with ongoing supervision and rebalancing as client circumstances or market conditions warrant.

Distinctive operational features include a small advisory team overseeing roughly $213.8 million in discretionary assets, a formal trade-error reimbursement practice, and the availability of tailored educational seminars and workshops (at no charge) on topics such as retirement and elder care — a service the firm highlights in its brochure. The firm’s advisors also hold professional credentials (including CFP and CIMA designations and NAPFA affiliation), which the brochure cites as part of its advisory qualifications.