Lorenz Financial
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About
Lorenz Financial serves individual clients and couples, primarily those in or nearing retirement and working individuals who have employer retirement plans they wish to manage or rollover. The firm provides two services: investment coaching for employer-sponsored plans (401(k), 403(b), 457, a state’s retirement plan, and the federal Thrift Savings Plan) and discretionary portfolio management offered only through its single wrap fee program with assets custodied at Interactive Brokers.
The firm’s investment approach emphasizes long-term, low-cost, tax-efficient portfolios constructed mainly from index funds, S&P 500 sector and industry ETFs, and selected managed mutual funds, with screens that exclude loaded funds, 12b-1 fees, high turnover, and short-tenured managers. Lorenz Financial relies on third-party ratings in its selection process—citing Morningstar five‑star and Gold-rated funds such as iShares MSCI USA Quality ETF and Capital Group Dividend Value ETF—and performs an annual written review of each client’s portfolio.
Notable features in the brochure include operating a dedicated wrap-fee program (the document is a Wrap Fee Program Brochure) with a stated $1,000,000 standard minimum (exceptions may be made) and explicit procedures for working with employer and public retirement plans. The brochure also discloses use of third‑party performance ratings, specific client residency restrictions, and a policy that the firm will not accept proxy‑voting authority for client securities.
Client services
Expertise
Fee options
$1,000,000 - $1,500,000: 0.450% $1,500,001 - $3,000,000: 0.350% $3,000,001 - $6,000,000: 0.250% $6,000,001 - $12,000,000: 0.200% $12,000,001 - $24,000,000: 0.160% $24,000,001 - $50,000,000: 0.125%
Account minimum: $1,000,000 Fee-only: Investment Coaching fees ranging from no charge to $400 per first meeting and $0 to $200 per additional meeting depending on asset size.
Main office
West Lafayette IN
Advisors at this office
1
Most active in
Indiana
Also doing business as
Lorenz Financial · Lorenz Financial Services, LLC
Disclosures
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Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
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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.
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