Lockstep Financial LLC

Lockstep Financial LLC is a small, state-registered independent advisory firm that provides financial planning (college savings, retirement planning, investment analysis) and discretionary portfolio management to individual and high-net-worth clients. The firm also advises on and manages assets held away from recommended custodians through a third‑party platform, enabling review and allocation changes for those accounts.

The firm’s investment approach is primarily passive, relying on index mutual funds and ETFs to build asset-class diversified portfolios, while also using fundamental and technical analysis and limited derivatives where appropriate. Clients receive a written financial plan and an initial investment review as part of onboarding, with ongoing discretionary management and periodic (typically quarterly) account reviews tailored to each client’s investment policy statement.

What is distinctive about this firm is its very small scale—single-advisor practice with a low client count and modest assets under management—which shapes a highly personalized operating model. It also offers educational seminars and speaking engagements (an uncommon offering among peers) and uses a third‑party service (Pontera) and account aggregation tools to manage held‑away accounts, with those assets included in the firm’s reported AUM; the firm’s principal brings an engineering and proprietary trading background that informs its analytical approach.