Locker Financial Services, LLC
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About
Locker Financial Services is a fee-only advisory firm that serves individual clients (including high-net-worth households) and occasionally professionals who sponsor retirement plans, offering comprehensive financial planning, consulting, and discretionary portfolio management. The firm manages client assets primarily through diversified mutual funds and ETFs and commonly recommends maintaining accounts at Charles Schwab for custody and execution.
The firm’s planning process emphasizes an integrated, scenario-based financial plan delivered in a 2–3 hour presentation with a digital plan for clients to keep, follow-up phone or email support, and an expected completion window of about 6–8 weeks from engagement. Investment management centers on strategic asset allocation guided by Modern Portfolio Theory, with ongoing supervision and rebalancing as client circumstances or market conditions warrant.
Distinctive operational features include a small advisory team overseeing roughly $213.8 million in discretionary assets, a formal trade-error reimbursement practice, and the availability of tailored educational seminars and workshops (at no charge) on topics such as retirement and elder care — a service the firm highlights in its brochure. The firm’s advisors also hold professional credentials (including CFP and CIMA designations and NAPFA affiliation), which the brochure cites as part of its advisory qualifications.
Client services
Expertise
Fee options
Financial planning fees generally range from $3,600 to $7,000 depending on complexity and presentation model, with a 50% deposit required prior to work.
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.80% $2,000,001+: 0.75%
$350 per hour for financial planning and consulting services.
Account minimum: No minimum account size required; however, a minimum annual fee of $2,000 may be required (which can be waived or reduced at the firm's discretion). Minimum fee: Minimum annual fee of $2,000 (generally imposed), negotiable or waivable at firm's discretion. Fee-only: Fee-only basis for investment management and financial planning services; no commission-based compensation accepted.
Main office
See office25 Pompton Avenue, Suite 101
Verona NJ 07044
Advisors at this office
1
Offices (2)
Most active in
Massachusetts · New Jersey · Texas
Also doing business as
Locker Financial Dba Elderlife · Locker Financial Services, LLC
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.
Advisors at this firm
Lauren L
CFP®
Verona, NJ
Locker Financial Services, LLC
Lauren Locker is a CFP® professional with 23 years of industry experience. She has been with Locker Financial Services, LLC since 1992. Locker Financial Services is a fee-only advisory firm serving individual clients, including high-net-worth households, and professionals sponsoring retirement plans. The firm offers comprehensive financial planning, consulting, and discretionary portfolio management, focusing on diversified mutual funds and ETFs with accounts typically held at Charles Schwab.
Andrew C
CFP®, Series 65
Needham, MA
Locker Financial Services, LLC
Andrew Chan is a CFP® and holds a Series 65 license with 22 years of industry experience. He has worked at Locker Financial Services, LLC since 2017 and previously spent nine years at Integrative Financial Advisors LLC. Locker Financial Services is a fee-only advisory firm serving individual clients, including high-net-worth households, and some professionals sponsoring retirement plans. The firm provides comprehensive financial planning, consulting, and discretionary portfolio management, focusing on diversified mutual funds and ETFs with custody and execution commonly through Charles Schwab. Their planning process features an integrated, scenario-based approach and ongoing investment supervision guided by Modern Portfolio Theory.
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