{"url":"https://nivawealth.com/firms/l-d-lowe-wealth-advisory-136596","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/136596","regulatoryAum":118813315,"crd":"136596","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5150424","suffix":null,"lastName":"MCCARTHY","firstName":"MOLLY","middleName":"RENEE"}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-31","regulatoryAum":135539746,"clients":322,"employees":7,"offices":1},{"filedOn":"2022-06-08","regulatoryAum":120140383,"clients":248,"employees":7,"offices":1},{"filedOn":"2023-05-08","regulatoryAum":113679430,"clients":198,"employees":9,"offices":1},{"filedOn":"2024-03-10","regulatoryAum":109842303,"clients":261,"employees":6,"offices":1},{"filedOn":"2025-03-25","regulatoryAum":119217996,"clients":261,"employees":7,"offices":1},{"filedOn":"2026-03-30","regulatoryAum":118813315,"clients":264,"employees":8,"offices":1}],"secFileNumber":"801-64775","legalName":"L.D. Lowe Wealth Advisory, Inc.","displayName":"L.D. Lowe Wealth Advisory","slug":"l-d-lowe-wealth-advisory-136596","website":"https://ldloweplan.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/ld-lowe-sr.-wealth-advisory/mycompany/","xUrl":"https://twitter.com/ldlowewealth","founded":null,"organization":"Texas corporation","fiscalYearEnd":"December","headquarters":{"street":"1100 East Campbell Road, Suite 200","city":"Richardson","state":"TX","stateName":"Texas","country":"United States","postalCode":"75081"},"tradeNames":[],"registration":{"secApproved":"7 October 2005","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":450050.4356060606,"staff":{"employees":8,"advisory":2,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":118813315,"discretionary":118813315,"discretionaryAccounts":677,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":118813315,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":238,"regulatoryAum":73990450},{"label":"High-net-worth individuals","clients":26,"regulatoryAum":44822865}],"feePrograms":[{"role":"main","program":"Wealth Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1033420","versionId":1033420,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-30","documentName":"LD LOWE FIRM DISCLOSURE BROCHURE AND WRAP BROCHURE","fee_rate_low":0.7,"fee_rate_high":1.95,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"1031 exchange consulting","summary":"A one-time fixed fee of 5% to 7% of the assets in 1031 exchange recommendations.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1033420","versionId":1033420,"submittedOn":"2026-03-30","documentName":"LD LOWE FIRM DISCLOSURE BROCHURE AND WRAP BROCHURE"},{"role":"other","program":"Consulting","summary":"Consulting is billed at an hourly rate with a minimum of $500 an hour, or as a flat fee.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1033420","versionId":1033420,"submittedOn":"2026-03-30","documentName":"LD LOWE FIRM DISCLOSURE BROCHURE AND WRAP BROCHURE"},{"role":"other","program":"Pension consulting","summary":"Pension consulting fees are separately negotiated per plan.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1033420","versionId":1033420,"submittedOn":"2026-03-30","documentName":"LD LOWE FIRM DISCLOSURE BROCHURE AND WRAP BROCHURE"},{"role":"other","program":"Philanthropic counseling and management","summary":"Philanthropic counseling and management is $500 an hour, in addition to fees on pledged assets.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1033420","versionId":1033420,"submittedOn":"2026-03-30","documentName":"LD LOWE FIRM DISCLOSURE BROCHURE AND WRAP BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:19:02.434598+00:00","documents":[{"name":"LD LOWE FIRM DISCLOSURE BROCHURE AND WRAP BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1033420","versionId":1033420,"submittedOn":"2026-03-30"}]},"custodians":[{"name":"Etc Brokerage Services, LLC","shortName":"Etc Brokerage Services","location":"Westlake, OH","smaAssets":118813315}],"custodyNote":"L.D. Lowe Wealth Advisory does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Molly McCarthy","title":"Chief Executive Officer, Chief Financial Officer and Aml Officer","crd":"5150424"},{"name":"Taylor Brewer","title":"Chief Operations Officer and Chief Compliance Officer (CCO As of 5/2023)","crd":"6632339"}],"ownership":[{"label":"Molly McCarthy","detail":"Chief executive officer, chief financial officer and aml officer in the 50% to 75% ownership band and a control person, since December 2019."},{"label":"Taylor Brewer","detail":"Chief operations officer and chief compliance officer (cco as of 5/2023) in the 50% to 75% ownership band and a control person, since December 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Texas","offices":1,"addresses":[{"street":"1100 East Campbell Road, Suite 200","city":"Richardson","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"972-335-2523","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Other"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":57},{"label":"Cash and cash equivalents","percent":22},{"label":"Other","percent":21,"detail":"Real Estate Investment Trusts and Alternatives"}],"privateFunds":0},"sources":{"adv1FilingDate":"30 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/136596/PDF/136596.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1033420","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does L.D. Lowe Wealth Advisory have?","answer":"L.D. Lowe Wealth Advisory has 264 clients and manages $119 million for them, as of March 2026. They include 238 individual clients and 26 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does L.D. Lowe Wealth Advisory offer?","answer":"L.D. Lowe Wealth Advisory provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does L.D. Lowe Wealth Advisory charge?","answer":"L.D. Lowe Wealth Advisory charges 0.70%–1.95% a year for its Wealth Management Services. The fee is billed in advance and is negotiable.","source":"LD LOWE FIRM DISCLOSURE BROCHURE AND WRAP BROCHURE, filed 30 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does L.D. Lowe Wealth Advisory use?","answer":"L.D. Lowe Wealth Advisory’s separately managed account assets are held at Etc Brokerage Services, LLC (Westlake, OH), with $119M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does L.D. Lowe Wealth Advisory have?","answer":"L.D. Lowe Wealth Advisory has 2 investment adviser representatives registered with state securities authorities, out of 8 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does L.D. Lowe Wealth Advisory invest in?","answer":"At the end of its last fiscal year, L.D. Lowe Wealth Advisory’s separately managed accounts held 57% exchange-traded equities, 22% cash and equivalents and 21% other. The 21% other category is described as: Real Estate Investment Trusts and Alternatives.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns L.D. Lowe Wealth Advisory?","answer":"L.D. Lowe Wealth Advisory’s direct owners are Molly McCarthy (50% to 75%) and Taylor Brewer (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does L.D. Lowe Wealth Advisory get paid?","answer":"L.D. Lowe Wealth Advisory is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact L.D. Lowe Wealth Advisory?","answer":"L.D. Lowe Wealth Advisory’s main office is at 1100 East Campbell Road, Suite 200, Richardson, TX 75081. Its phone number is 972-335-2523. Its website is ldloweplan.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}