LD Lowe Wealth Advisory

L.D. Lowe Wealth Advisory serves individual and high‑net‑worth clients, as well as trusts, estates and other business entities, through discretionary wealth management that combines portfolio management and comprehensive financial planning. The firm also offers consulting for pension plans, 1031 exchange reinvestment advice, philanthropic counseling and separate consulting engagements.

Portfolios are managed inside a wrap fee program and typically include stocks, ETFs, REITs, private placements, limited partnerships and insurance products (including fixed and fixed‑indexed annuities), with ongoing monitoring and periodic rebalancing. The firm provides financial‑planning projections and forward‑looking illustrations on request and reports performance using a standardized platform; it acts as sponsor and sole portfolio manager for its wrap program and conducts regular reviews of client accounts.

Distinctive features include affiliated tax preparation and accounting services and licensed insurance activities offered to clients under separate agreements, which the brochure identifies as creating potential conflicts of interest that the firm discloses and seeks to mitigate (for example, excluding commissioned insurance products from advisory fee billing). The firm manages a relatively large client base with a small advisory team (264 clients and two advisors) and uses cost‑based valuations for certain illiquid alternative holdings and accumulation‑value measures for annuities, practices that differ from many peers and can affect fee and valuation outcomes.