Lorenz Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$8,500,000
Total clients
15
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
15
Average account size
$566,667
About
Lorenz Financial serves individual clients and couples, primarily those in or nearing retirement and working individuals who have employer retirement plans they wish to manage or rollover. The firm provides two services: investment coaching for employer-sponsored plans (401(k), 403(b), 457, a state’s retirement plan, and the federal Thrift Savings Plan) and discretionary portfolio management offered only through its single wrap fee program with assets custodied at Interactive Brokers.
The firm’s investment approach emphasizes long-term, low-cost, tax-efficient portfolios constructed mainly from index funds, S&P 500 sector and industry ETFs, and selected managed mutual funds, with screens that exclude loaded funds, 12b-1 fees, high turnover, and short-tenured managers. Lorenz Financial relies on third-party ratings in its selection process—citing Morningstar five‑star and Gold-rated funds such as iShares MSCI USA Quality ETF and Capital Group Dividend Value ETF—and performs an annual written review of each client’s portfolio.
Notable features in the brochure include operating a dedicated wrap-fee program (the document is a Wrap Fee Program Brochure) with a stated $1,000,000 standard minimum (exceptions may be made) and explicit procedures for working with employer and public retirement plans. The brochure also discloses use of third‑party performance ratings, specific client residency restrictions, and a policy that the firm will not accept proxy‑voting authority for client securities.
Client services
Portfolio management
Newsletters or periodicals
Investment coaching services to individual 401k, etc, plans
Investment coaching services to individual 401k, etc, plans
Expertise
General retirement planning
Income planning
Passive / index investing
Active portfolio management
Fee options
$1,000,000 - $1,500,000: 0.450% $1,500,001 - $3,000,000: 0.350% $3,000,001 - $6,000,000: 0.250% $6,000,001 - $12,000,000: 0.200% $12,000,001 - $24,000,000: 0.160% $24,000,001 - $50,000,000: 0.125%
Account minimum: $1,000,000 Fee-only: Investment Coaching fees ranging from no charge to $400 per first meeting and $0 to $200 per additional meeting depending on asset size.
Main office location
Lorenz Financial
West Lafayette IN, United States
Number of offices
1
Most active in
Lorenz Financial has reported serving >5 clients in these states in the last 12 months.
Indiana
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
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