Lockstep Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,222,000
Clients
12
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
12
LowAverage account size
$101,833
About
The firm provides financial planning and discretionary portfolio management to individuals and high‑net‑worth clients, covering areas such as college savings, retirement planning, investment analysis, and distribution strategies. It also offers educational seminars and speaking engagements for organizations and the public; these presentations are strictly educational and do not provide individualized advice to attendees.
The firm’s investment approach is primarily passive, constructing asset‑class weighted portfolios using index mutual funds and ETFs to emphasize low internal costs, minimal trading, and relative tax efficiency, while supplementing that approach with fundamental and technical analysis when appropriate. Account supervision is discretionary with periodic reviews, and the firm can advise on held‑away accounts through a third‑party provider (Pontera), aggregating those assets into reporting and AUM without ever storing clients’ online credentials.
Noteworthy distinctions include the firm’s very small client base and modest AUM, its practice of charging for an initial investment plan (a step many advisers do not provide or do not charge for), and the inclusion of held‑away assets in reported AUM via third‑party aggregation. The firm’s principal has an engineering and proprietary‑trading background and continues to apply technical and technology‑driven tools to portfolio oversight and client reporting.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
College savings (529s, UTMA, etc.)
General retirement planning
Fee options
$0 - $100,000: 2.00% $100,001 - $250,000: 1.50% $250,001 - $750,000: 1.25% $750,001 - $2,500,000: 1.00% $2,500,001 - $5,000,000: 0.75% $5,000,001 - $10,000,000: 0.50% Above $10,000,000+: Negotiable
$220 per hour for Financial Planning and Initial Investment Plan, 2-hour minimum, minimum may be waived
Account minimum: $200,000 (may be waived at firm's sole discretion) Fee-only: Investment Management tiered fees as described; Financial Planning $220/hour with 2-hour minimum, minimum may be waived by firm discretion
Main office location
Lockstep Financial LLC
Laurel MD, United States
Number of offices
1
Most active in
Lockstep Financial LLC has reported serving >5 clients in these states in the last 12 months.
Maryland
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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.
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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.
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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.
Forms ADV
Quick links
LinkedIn
Facebook
Instagram
Website
(410) 940-4626
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