Brian D. Lowder, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides fee-only financial planning and investment management to individuals, families, trusts, corporations and charitable organizations, addressing matters such as retirement planning, estate planning, business planning, tax planning, college funding and risk management. Its client base includes both individual and high-net-worth clients as well as institutional relationships such as corporate pension and profit‑sharing plans, foundations and endowments.
Investment advice is implemented through a written Investment Policy Statement tailored to each client and the firm does not assign accounts to pre-set model portfolios; portfolios are constructed based on client objectives, tax considerations and risk tolerance. The investment process emphasizes fundamental analysis, diversification and a long-term core portfolio implemented with a core‑and‑satellite approach, while allowing occasional tactical shifts driven by top‑down macro views; accounts are monitored continuously and quarterly reports are provided.
The firm operates with a small advisory team while managing roughly $388 million in discretionary assets across about 197 clients and 643 accounts and remains 100% owned by its founder since its 1987 establishment, reflecting a long-tenured ownership structure. It discloses that a principal serves as trustee for certain client-related trusts and the firm’s retirement plan, uses Schwab Institutional custody and receives adviser support (including a discounted portfolio management software license and occasional event benefits), items the firm notes and monitors as potential conflicts of interest.
Client services
Expertise
Occupation focus
Fee options
Fixed fees quoted in advance for financial planning services; portion up to $500 collected in advance
$0 - $750,000: 1.00% $750,000 - $1,000,000: 0.90% $1,000,000 - $2,000,000: 0.70% $2,000,001+: Negotiated
Hourly rates for financial planning and continuing services up to $375 per hour
Account minimum: $500,000 minimum for investment management accounts, but may accept less at discretion Minimum fee: Minimum annual fee of $5,000 or $1,250 per quarter for investment management services Fee-only: Fee-only compensation; no commissions or referral fees paid or received by the firm or employees
Main office
12760 High Bluff Drive, Suite 370
San Diego CA 92130
Advisors at this office
3
Most active in
California
Also doing business as
Brian D. Lowder, Inc. · Lowder Brian D Inc
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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.
Advisors at this firm
Rebecca D
CFP®, CFA®
San Diego, CA
Brian D. Lowder, Inc.
Rebecca Dodge is a CFP® and CFA® with seven years of industry experience. She has worked at Brian D. Lowder, Inc. since 2019 and previously spent four years at Brandes Investment Partners. Brian D. Lowder, Inc. provides fee-only financial planning and investment management services to individuals, families, trusts, corporations, and charitable organizations. The firm customizes investment portfolios based on client objectives and risk tolerance, employing a core-and-satellite approach with ongoing portfolio monitoring.
Michael K
CFP®, CFA®, Series 66
San Diego, CA
Brian D. Lowder, Inc.
Michael Kinnear is a CFP® and CFA® with 22 years of experience in financial advising. He has been with Brian D. Lowder, Inc. since 2002. The firm offers fee-only financial planning and investment management to individuals, families, trusts, corporations, and charitable organizations. It serves a diverse client base, including high-net-worth individuals and institutional clients, and employs a tailored investment approach focused on fundamental analysis and a core-and-satellite portfolio strategy.
Brian L
CFP®, CFA®
San Diego, CA
Brian D. Lowder, Inc.
Brian Lowder is a CFP® and CFA® with 28 years of industry experience. He has been the principal of Brian D. Lowder, Inc. since 1991. The firm provides fee-only financial planning and investment management services to individuals, families, trusts, corporations, and charitable organizations. Brian D. Lowder, Inc. serves a diverse client base including high-net-worth individuals and institutional clients such as corporate pension plans and endowments. The firm develops customized Investment Policy Statements for each client, focusing on fundamental analysis, diversification, and a core-and-satellite investment approach with ongoing monitoring and quarterly reporting.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")