IWC Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
IWC Financial Planning is a registered advisory firm that delivers financial planning, participant plan consulting, and access to a subscription-based planning website rather than ongoing discretionary asset management; its brochure lists individuals, trusts, businesses, endowments and nonprofit organizations as potential client types. The firm produces written or verbal financial plans and supports implementation without maintaining custody of client assets or participating in wrap-fee programs.
The firm’s investment perspective emphasizes asset-class allocation, broad diversification and a largely passive, low-cost indexing approach, with individual securities considered only in specific client circumstances (for example, to address tax consequences). Plans are delivered on a project or subscription basis with recommended plan reviews (typically semiannually) and optional ongoing support through its planning platform rather than continuous portfolio oversight.
Noteworthy for a firm in the investment-manager category, the firm makes insurance products available through licensed personnel and may receive commissions if a client purchases coverage, and some personnel have bookkeeping/accounting business ties or ownership interests in bookkeeping-related entities. The firm also relies on non–AUM billing methods — including hourly, flat, and subscription arrangements — and does not use percentage-of-assets-under-management fees, and it refers clients to third-party broker-dealers and dually registered personnel, relationships that can give rise to referral or commission arrangements to consider.
Client services
Expertise
Fee options
Flat fees up to $15,000, negotiable
Commission received from insurance carriers if client purchases insurance policies; no fee for insurance quotes
$250 per hour, negotiable
Monthly subscription fee up to a total of $15,000 over 12 months; $30 per month for planning website subscription
Fee-only: Monthly subscription up to $15,000 over 12 months; Flat fee up to $15,000 (negotiable); $250/hour hourly fee (negotiable); $30/month planning website subscription (non-negotiable)
Main office
See office4812 S. Jackson Rd.
Edinburg TX 78539
Advisors at this office
2
Offices (2)
Most active in
Tennessee · Texas
Also doing business as
Ima Live LLC Dba Iwc Financial Planning · Ima Live, LLC · Iwc Financial Planning
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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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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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
Quick links
Advisors at this firm
John L
CFP®, Series 63, Series 66
Edinburg, TX
IWC Financial Planning
John Lackey is a CFP® professional with 26 years of industry experience, currently advising at IWC Financial Planning. His career includes roles at LPL Financial and Summit Financial Group, as well as managing his own firm, Lackey Financial Management, for over 20 years. Outside of financial advising, he is involved in several business ventures including property and casualty insurance. IWC Financial Planning provides financial planning, participant plan consulting, and subscription-based planning services to individuals, trusts, businesses, endowments, and nonprofit organizations. The firm focuses on asset-class allocation and passive, low-cost indexing strategies, delivering plans on a project or subscription basis without maintaining custody of client assets.
Albert L
CFP®, Series 66
Edinburg, TX
IWC Financial Planning
Albert Lopez is a CFP®-certified financial advisor with 27 years of industry experience. He is affiliated with LPL Financial and also operates IWC Financial Planning, an independent investment advisory firm. Lopez has held leadership roles in various business activities, including managing an insurance agency and providing financial planning services through his own firm. LPL Financial serves a diverse client base, offering advisory and brokerage services through a large network of investment adviser representatives. The firm provides a range of investment solutions, including financial planning, model-portfolio programs, and third-party asset management, supported by an in-house research team and a broad platform of advisory and non-advisory products.
Erin K
Series 63, Series 65, Series 66
Tracy City, TN
IWC Financial Planning
Erin Kunz is a financial advisor at IWC Financial Planning with 10 years of industry experience. She holds the Series 63, 65, and 66 designations. Her prior experience includes two separate tenures at LPL Financial totaling nine years and a period of self-employment since 2015. Outside of her advisory work, Kunz owns and operates a bookkeeping business in Tracy City, Tennessee. IWC Financial Planning serves individuals, trusts, businesses, endowments, and nonprofit organizations by providing financial planning and participant plan consulting without managing client assets directly. The firm emphasizes asset-class allocation and a passive, low-cost indexing investment approach, offering plans on a project or subscription basis with optional ongoing support through a planning platform.
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