L Squared Wealth Management

Investment Management and Financial Planning

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L Squared Wealth Management

Financial Planning on Your Terms

 

At L Squared Wealth Management, we believe that planning your financial future should be about you, not the financial advisory company. We are based in San Diego and provide financial planning and investment management services to clients nationwide. Learn how we can help you build a better financial future.

 

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Lawrence Lane, CFP®

Lawrence (Larry) Lane, CFP® is the President and Founder of L Squared Wealth Management. Larry made a change to the financial advisory business in 2011 after a successful 20+ year career as an engineer and manager in the high-tech industry. This change was motivated by his life-long passion for investing and his desire to help technology professionals with their financial planning needs.

Larry established L Squared Wealth Management in 2014 to provide clients with a superior financial planning experience. Larry uses his analytical background to help clients develop individualized financial plans with clear actions to achieve their life goals. On the investing side, Larry is passionate about studying the markets to come up with better ways to invest.

Before entering the financial advisory industry, Larry had a successful 23-year career as an engineer and manager in the semiconductor equipment industry with companies including IBM, Novellus, KLA-Tencor, Timbre Technologies, and Tokyo Electron. He worked in areas ranging from engineering to marketing to program management, and held various management positions during that time.

Larry is a CERTIFIED FINANCIAL PLANNERTM professional, having completed the CFP® certification program in January, 2016. He holds a BS in Physics from the University of Michigan and a MS in Electrical Engineering from Rensselaer Polytechnic Institute. Larry holds various securities licenses including the Series 7 (now inactive) and Series 66. He is also licensed as an insurance agent in California.

Outside of financial planning and wealth management, Larry lives an active life in San Diego. He is an avid softball player, participating in the AFCSL Gay Softball League, as well as tournaments outside of San Diego. He also enjoys other outdoor activities including hiking and biking. In addition, he has traveled extensively, visiting 4 continents including Australia, Europe, Asia, and South America.

Investment Management Pricing

Investment supervisory services are assessed an annualized asset-based fee based on the reporting period ending value of the Client account(s) as described in the following table. These fees will be billed quarterly, in advance.

 
Assets Under Management Annualized Asset Based Fee
First $500,000 ($0 - $500,000) 0.95%* (95 basis points)
Next $500,000 ($500,000 - $1,000,000) 0.75% (75 basis points)
Next $1,000,000 ($1,000,000 - $2,000,000) 0.50% (50 basis points)
Amount over $2,000,000 0.20% (20 basis points)

 

*  Subject to minimum fee of $1,000 / year ($250 / quarter) [1]

[1] The California Department of Business Oversight has stated that an asset-based fee greater than 2% of the client’s assets under management may be considered excessive. For this reason, we may recommend that clients with less than $50,000 of assets utilize our financial planning services.

The annualized fee is assessed on a blended tier. For example, a client whose portfolio had an account value of $750,000 during the previous quarter would be assessed a blended fee based on an annualized rate of 0.95% (95 basis points) for the first $500,000, and 0.75% (75 basis points) for the remaining amount above the first tier.

Financial Plan Packages



Accounts

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FOUNDATION FINANCIAL 

PLAN

Individual:  $1,200

Family:  $1,500

One TIme Fee

included with AUM > $150,000

Goal Planning Meeting (1 Hour)

Income and Expense Review

Emergency Fund

Personal Financial Statement

Debt Payoff Analysis

Investment Risk and Tolerance Assessment

Investment Diversification and Allocation Review

Investment Strategies for Risk Management

MoneyGuidePro® Retirement Plan

Social Security Analysis

Retirement Plan Input Analysis

(Retirement Age, Savings, Spending, Investment Allocation)

Review Meeting and Action Plan

(1-2 Hours)

3 Months Email / Phone Support

(for topics covered)

360° FINANCIAL 

PLAN

Individual:  $2,000

Family:  $2,500

One Time Fee

included with AUM > $250,000

Goal Planning Meeting (1 Hour)

Income and Expense Review

Emergency Fund

Personal Financial Statement

Debt Payoff Analysis

Investment Risk and Tolerance Assessment

Investment Diversification and Allocation Review

Investment Strategies for Risk Management

MoneyGuidePro® Retirement Plan

Social Security Analysis

Retirement Plan Input Analysis

(Retirement Age, Savings, Spending, Investment Allocation)

Insurance Review

(Life, Disability, P&C, Long-term Care)

Employee Benefits Review

Tax Deduction Review

Charitable Giving Strategies

College Planning (Included with Family Plan)

Estate Planning Overview

Review of Beneficiary Designations

Understanding Wills and Trusts

Topics to Cover with an Estate Attorney

Medical Directives

Review Meeting and Action Plan 

(2-3 Hours)

6 Months Email / Phone Support

(for topics covered)

 



Accounts

Accounts

Accounts

Add-On Options

$400 - $800 (each)

Depending on Complexity

RSU / Stock Option Review

Real Estate Purchase / Sale Analysis

Small Business Retirement Plan

Other Planning Services

$200 / Hour

(2 Hour Minimum)

Financial Planning Annual Support Packages



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Foundation Support

Package

$80 / Month

$960 Annual *

Up to 6 Hours of annual

financial planning support

(20% discount to hourly rate)

Annual Update to MoneyGuidePro® Retirement Plan

2 Meeting per Year

(In-Person or On-Line)

Email / Phone Support



Included with AUM > $150,000


* Available after completing

Foundation Financial Plan

360° Support

Package

$125 / Month

$1,500 Annual ✢

Up to 10 Hours of annual

financial planning support

(25% discount to hourly rate)

Annual Update to MoneyGuidePro® Retirement Plan

4 Meetings per Year

(In-Person or On-Line)

Email / Phone Support

Updates to 360° Financial Plan

Notifications of important financial / tax changes

Included with AUM > $250,000


✢ Available after completing 

360° Financial Plan

 

Why Work With Us?

L Squared Wealth Management provides clients with a superior financial planning experience by focusing on three Core Values: Integrity, Service, and Commitment. Financial planning should be about you, not the financial advisory company.

Integrity

  • Fiduciary Standard – We act in your best interest and disclose any conflicts of interest
  • No Proprietary Products – We help pick the best solutions for you, not us
  • Confidentiality and Privacy Policy
  • Disclose how we are compensated

Service

  • We are a Small Firm – We know our clients
  • We are flexible in scheduling meetings with you
  • We listen to you and make sure we understand your priorities

Commitment

  • We study the markets and seek to come up with better ways to invest
  • We do not outsource your investments
  • We apply the same strategies and plans to our own investments
  • We strive to be objective and learn how to do things better