L & M Wealth Management and Retirement Solutions, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
L & M Wealth Management and Retirement Solutions provides discretionary asset management and retirement-focused advisory services to individual and high‑net‑worth clients, constructing portfolios from individual stocks and bonds, ETFs, options, mutual funds and other public and private investments. The firm offers individualized portfolio construction and ongoing account supervision, and it has operated a wrap fee program while also managing non‑wrap accounts.
The firm combines fundamental, technical (charting) and cyclical analysis and uses long‑ and short‑term trading approaches, with portfolios tailored to each client’s financial details, tax bracket, source of funds, risk tolerance and time horizon. Notably, the firm discloses the use of margin/borrowing in separately managed accounts and conducts at least quarterly reviews and rebalancing of client accounts.
Two features that distinguish L & M from many peers are its role as a wrap fee program sponsor (with a current transition of wrap clients to non‑wrap management) and its explicit, disclosed use of margin in client accounts — practices that are statistically uncommon among similar supported firms. The firm also operates as a small, owner‑managed adviser overseeing roughly $67 million across about 136 client accounts and discloses that its representatives hold insurance licenses and devote a portion of their time to insurance activities, a potential source of conflicts it addresses in its disclosures.
Client services
Expertise
Fee options
Up to 2.00% annually
Main office
205 NW 63rd St, Suite 160
Oklahoma City OK 73116
Advisors at this office
2
Most active in
Kansas · Louisiana · Oklahoma · Texas
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:
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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
Advisors at this firm
Kristan B
Series 63, Series 65
Oklahoma City, OK
L & M Wealth Management and Retirement Solutions, LLC
Kristan Bruhn is a financial advisor at L & M Wealth Management and Retirement Solutions, LLC in Oklahoma City, holding Series 63 and Series 65 licenses with 10 years of industry experience. She has been with L & M Wealth Management since 2009. In addition to her advisory role, she is also licensed as an insurance agent and spends part of her time on insurance sales. L & M Wealth Management and Retirement Solutions provides discretionary asset management and retirement-focused advisory services to individual and high-net-worth clients, utilizing a combination of fundamental, technical, and cyclical analyses. The firm offers personalized portfolio construction and ongoing supervision, managing both wrap fee and non-wrap accounts with a noted practice of using margin and conducting regular account reviews.
Carol L
CFP®, Series 63
Oklahoma City, OK
L & M Wealth Management and Retirement Solutions, LLC
Carol Lyons is a CFP® professional with 35 years of industry experience, currently serving as an advisor at L & M Wealth Management and Retirement Solutions, LLC since 2009. Her prior experience includes a 14-year tenure at Ameriprise and operating her own sole proprietorship since 2001. She is also the owner and operator of a non-investment related business in Oklahoma City. L & M Wealth Management and Retirement Solutions provides discretionary asset management and retirement-focused advisory services to individual and high-net-worth clients. The firm uses a combination of fundamental, technical, and cyclical analysis with both long- and short-term trading strategies, tailoring portfolios to client-specific financial factors and risk profiles.
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