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Ben Loughery
Founder, CEO
CFP®, CRPC™
Lock Wealth Management1372 Peachtree St NE, Atlanta, GA 30309
Languages: English
My Approach
Financial planning isn't one-size-fits-all. I specialize in helping individuals and families navigate the complex financial crossroads of life, focusing heavily on these unique groups and the major moments that define their journeys.
The Clients I Serve
Pre-Retiree
Plan your retirement income 5–10 years out. That window gives tax and Social Security decisions the most room to help you.
Retirees or Seniors
Know which accounts you'll draw from and in what order. Your withdrawal sequence can change how much of your savings goes to taxes.
Major Milestones I Specialize In
Early Retirement or Financial Independence
Plan for the gap years before Medicare and penalty-free withdrawals. Health coverage and cash flow are the two big pieces.
End of Life and Legacy Planning
Check your beneficiary designations every few years. They override your will, so an outdated form can send money to the wrong place.
Retirement Planning
Retirement planning is income planning. Know where each dollar of your future paycheck will come from and how it will be taxed.
Our 7 Steps to Financial Planning
Certified Financial Planners have a proven blueprint for success—but your planner builds it entirely around you.
Summarized from the CFP® Board's Practice Standards. cfp.net
My Process
I'm Ben Loughery, CFP®, CRPC™, founder of Lock Wealth Management, a fee-only fiduciary firm in Midtown Atlanta serving clients nationwide. Before starting the firm, I spent 10+ years at Capital Group and Invesco. Today I help people five to ten years from retirement, recent retirees, and business owners turn their savings into dependable, tax-smart retirement income. Every plan starts with your income: how much you'll need, where it will come from, and the most tax-efficient order to draw it. From there, I coordinate Social Security timing, Roth conversions, RMDs, and your investment mix so each decision supports the others. What to expect: plain language, clear recommendations with the reasoning behind them, and a written plan we review together every quarter, with ad hoc check-ins whenever something comes up in between. Financial planning is offered as a flat monthly subscription, and you don't need to move your money to start. Most clients meet by video or phone, and in-person meetings are available at our Peachtree Street office.
Disclosures
This material is provided for informational purposes only and does not constitute investment, tax, or legal advice. It is not a recommendation or solicitation to buy or sell any security, insurance product, or investment strategy. Past performance does not guarantee future results. All investing involves risk, including the possible loss of principal. Tax and legal matters are outside the scope of this engagement; consult your attorney, accountant, and other qualified professionals before making financial decisions. Additional information about this financial professional, including registration status and disciplinary history, is available through FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure website.