Lowery Thomas, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Lowery Thomas, LLC provides investment advisory and wealth management services to individuals (including high-net-worth clients), trusts, estates and corporations, delivering both discretionary and non‑discretionary portfolio management alongside financial planning and retirement-account advice. The firm manages approximately $386 million for about 184 clients, is supported by three advisors, and bills fees on a percentage-of-AUM basis.
The advisor’s investment process is primarily driven by technical analysis with a generally long-term orientation, constructing portfolios largely from low-cost mutual funds and ETFs while also employing individual stocks or bonds as needed; it may engage in shorter-term trades, tactical reallocations, or the use of inverse and leveraged ETFs to pursue client objectives. Portfolios are customized to client goals, risk tolerance and tax considerations, and the firm will retain legacy positions or harvest gains/losses when appropriate as part of its ongoing supervision.
Notable differences from many peers include an affiliation with owner-operated CPA/accounting practices—each of the firm’s two owners operates a separate tax practice that may provide services to clients—and an organizational footprint of five offices despite a three-advisor team, a combination that is uncommon among similarly supported firms. The firm also discloses an institutional custodial relationship that provides software and other benefits to the advisor, which it identifies as a potential conflict of interest.
Client services
Expertise
Fee options
$0+: 0.75% annual +: up to 1.50% annual
Main office
Pebble Beach CA
Advisors at this office
3
Most active in
California · New Hampshire · Texas
Also doing business as
Kenneth G. Cala, Cpa · Lowery Thomas, Inc. · Lowery Thomas, LLC · Mark T. Vicencio, Cpa
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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.
-
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.
-
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.
Quick links
Advisors at this firm
Kenneth C
CFP®, Series 65
Pebble Beach, CA
Lowery Thomas, LLC
Kenneth Cala is a CFP® with 25 years of industry experience, associated with Lowery Thomas, LLC since 1999. He also operates a CPA accounting firm, Kenneth G. Cala, CPA, which shares clients with his advisory practice. Cala holds the Series 65 designation and is based in Pebble Beach, California. Lowery Thomas, LLC provides investment advisory and wealth management services to individuals, trusts, estates, and corporations. The firm employs a primarily technical, long-term investment approach using low-cost mutual funds and ETFs, along with individual equities and bonds, tailoring portfolios to client goals, risk tolerance, and tax considerations.
Mark V
Series 65
Pebble Beach, CA
Lowery Thomas, LLC
Mark Vicencio is a financial advisor at Lowery Thomas, LLC with 26 years of industry experience. He holds a Series 65 designation and has served at Lowery Thomas since 1999. In addition to his advisory role, Vicencio operates an accounting firm, where he spends approximately 25% of his professional time. Lowery Thomas, LLC provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, and corporations. The firm employs a long-term investment strategy complemented by technical analysis, offering customized portfolio construction and ongoing account monitoring.
David L
Series 63, Series 65
Pebble Beach, CA
Lowery Thomas, LLC
David Lowery is a financial advisor at Lowery Thomas, LLC in Pebble Beach, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with Lowery Thomas, LLC since 1999. Lowery Thomas, LLC provides wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, and corporations. The firm employs a long-term investment strategy combined with technical analysis and offers customized portfolio construction using diversified mutual funds, ETFs, and occasionally individual securities.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")