Unlock Investments

Unlock Investments LLC is a registered investment adviser that provides discretionary portfolio management and related advisory services primarily to high‑net‑worth individuals. The firm tailors investment advice to client objectives and risk tolerances and employs a mix of strategies including asset allocation, dollar‑cost averaging, technical analysis, and both short‑ and long‑term purchases.

Performance is evaluated against a blended market benchmark (a 50/50 mix of the S&P 500 and Nasdaq as measured by Charles Schwab), and accounts are reviewed at least quarterly; clients may grant discretionary authority while retaining the ability to impose written investment restrictions. Suitability, client questionnaires, and written agreements are used at onboarding and throughout the advisory relationship, and clients receive periodic reporting from both the custodian and the firm.

Compared with most solo independent advisers, Unlock Investments discloses and uses advertised performance results and employs performance‑based compensation tied to periodic benchmark comparisons and an annual high‑water mark — practices that are statistically uncommon among its peers and are restricted to qualified clients under applicable rules. The firm’s principal also discloses several outside business activities, including a data/technology business, insurance licensing, and acting as a solicitor for another adviser, and describes mitigations for the resulting conflicts of interest.