Lords Wealth
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About
Lords Wealth provides investment education, advising, and limited financial consulting to individual clients, with services focused on portfolios of open-end mutual funds. The firm operates as a fee-only, non-discretionary adviser: clients maintain custody of their own accounts and implement trades themselves rather than granting the firm trading authority.
The firm’s approach centers on a structured education process (multi-session courses) followed by recommendations for buy-and-hold mutual fund portfolios selected for longevity (funds in existence 25+ years), diversity (average fund holdings noted), and historical returns (brochure cites typical fund returns in the low‑to‑mid double digits). Lords Wealth uses dollar‑cost‑averaging and emphasizes historical and hypothetical performance analysis, preferring funds that are temporarily underperforming their lifetime returns as potential opportunities.
Distinctive features relative to peers include the firm’s publication of historical and hypothetical performance figures and the regular offering of multi-session educational seminars as part of client onboarding, which is not common among independent single-advisor firms. The practice also does not rely on ongoing percentage-of-assets-under-management fees; instead it structures billing around flat/one-time education or advising charges and hourly fees for reviews, and limits advice to open-end mutual funds without providing continuous portfolio management or discretionary trading.
Client services
Expertise
Fee options
Flat fee for investment education courses as set forth in Client Agreement
Hourly rates for periodic account reviews and financial consulting as specified in Client Agreement
Fee-only: One-time fee at a percentage of assets invested as specified in Client Agreement; hourly rates for periodic reviews and financial consulting as set forth in Client Agreement
Main office
Nyack NY
Advisors at this office
1
Most active in
New York
Also doing business as
B S F S Advisors · Lords Wealth · Schaeffer, Samuel Frederick
Disclosures
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Business activities & affiliations
Is not active or affiliated with:
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Broker-dealer / trader
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Bank
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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.
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