N10° WEALTH
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$552,876,836
Clients
127
Advisors
4
of 5 employees
About
N10° Wealth provides discretionary portfolio management, financial planning, retirement plan consulting, and third‑party manager selection for a mix of clients that includes individuals, trusts, retirement plans and business entities. The firm also offers consulting on insurance solutions and can implement strategies in held‑away workplace accounts using an order‑management system.
The firm uses a multi‑strategy investment approach that spans individual securities, ETFs, options, alternatives, direct indexing and digital assets, and applies fundamental, technical, ESG and quantitative analysis while leveraging third‑party managers and a TAMP for implementation. In addition to traditional asset‑based fees, N10° Wealth discloses it may offer performance‑based fee arrangements for qualified clients, using a high‑water mark methodology.
Several operational and structural features distinguish the firm from many peers: it is affiliated with N10° Assets, LLC (an SEC‑registered adviser that manages separate accounts and an ETF), participates in Dynasty’s platform and related program services, and uses Pontera to implement and monitor held‑away accounts — arrangements the firm discloses and describes in its conflict mitigation practices. The brochure also notes the firm’s willingness to manage pooled and private investment vehicles and to use third‑party managers and overlay services, capabilities that are less common among similarly sized team advisers.
Client services
Expertise
Fee options
Flat fees for financial planning and consulting range from $10,000 to $500,000; flat fees for retirement plan consulting range from $750 to $25,000
Maximum hourly fee up to $1,500 for financial planning and consulting services
Performance fees generally range from 10% to 20% of net investment gains on applicable accounts over a specified measurement period
Minimum fee: There can be minimum account fees up to $120 as part of the Dynasty Program Fee
Main office
5 Greenwich Office Park
Greenwich CT 06831
Advisors at this office
4
Most active in
California · Connecticut · Florida · New Jersey · New York · Texas
Also doing business as
N10 Wealth Management · N10 Wealth, LLC · N10° Wealth
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:
-
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.
-
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.
Advisors at this firm
Lauren U
Series 66
Greenwich, CT
N10° WEALTH
Lauren Urbanski is a financial advisor at N10° WEALTH with four years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Clearing for five years and McKenna Orthodontics for fifteen years. Lauren joined N10° WEALTH and its affiliated firm N10° Assets in 2026. N10° Wealth provides discretionary portfolio management, financial planning, retirement plan consulting, and third-party manager selection for individuals, trusts, retirement plans, and business entities. The firm employs a multi-strategy investment approach combining individual securities, ETFs, options, alternatives, direct indexing, and digital assets with fundamental, technical, ESG, and quantitative analysis, while leveraging third-party managers and technology platforms for implementation.
Andrew U
Series 66
Greenwich, CT
N10° WEALTH
Andrew Urbanski is a financial advisor at N10° Wealth with 19 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and UBS Financial Services. Outside of advising, Andrew has engaged in freelance modeling. N10° Wealth provides discretionary portfolio management, financial planning, retirement plan consulting, and third-party manager selection for individuals, trusts, retirement plans, and business entities. The firm employs a multi-strategy investment approach using a range of asset types and analytical methods, while leveraging third-party managers and technology platforms for portfolio implementation and management.
Elizabeth L
Series 63, Series 66
Greenwich, CT
N10° WEALTH
Elizabeth Lynch is a financial advisor at N10° WEALTH in Greenwich, CT, holding Series 63 and Series 66 licenses. She has one year of industry experience and previously worked at The London Fund and Meekins Corp. N10° Wealth provides discretionary portfolio management, financial planning, retirement plan consulting, and third-party manager selection to individuals, trusts, retirement plans, and business entities. The firm employs a multi-strategy investment approach incorporating individual securities, ETFs, options, alternatives, direct indexing, and digital assets, supported by fundamental, technical, ESG, and quantitative analysis.
Karo L
Series 66
Greenwich, CT
N10° WEALTH
Karo Lokmanyan is a Series 66-registered financial advisor at N10° Wealth with 17 years of industry experience. He previously worked at Wells Fargo Clearing and UBS Financial Services. Outside of his advisory role, he serves as president of Wellington Commons Condominium Associates in Dumont, New Jersey. N10° Wealth provides discretionary portfolio management, financial planning, and retirement plan consulting for individuals, trusts, retirement plans, and business entities. The firm employs a multi-strategy investment approach that includes individual securities, ETFs, options, alternatives, and digital assets, leveraging fundamental, technical, ESG, and quantitative analysis along with third-party managers and technology platforms.
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 introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)