{"url":"https://nivawealth.com/firms/lcw-services-337998","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/337998","regulatoryAum":234907065,"crd":"337998","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5667037","suffix":"JR","lastName":"CROOK","firstName":"ROGER","middleName":"EDWARD"},{"crd":"2816247","suffix":"II","lastName":"LAMBERT","firstName":"REPP","middleName":"HINKLE"},{"crd":"7367878","suffix":null,"lastName":"Tran","firstName":"Brian","middleName":null},{"crd":"2819174","suffix":null,"lastName":"Wren","firstName":"Rachel","middleName":"T"}],"total":4,"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"},"secFileNumber":"801-134316","legalName":"LCW Services, LLC","displayName":"LCW Services","slug":"lcw-services-337998","website":"https://alturawealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth 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negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1041006","versionId":1041006,"submittedOn":"2026-04-10","documentName":"LCW SERVICES, LLC DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS"},{"role":"other","program":"Retirement Plan Advisory Services","summary":"Retirement plan advisory fees are an annual asset-based fee of up to 0.50%, which may be negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1041006","versionId":1041006,"submittedOn":"2026-04-10","documentName":"LCW SERVICES, LLC DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T18:08:19.536252+00:00","documents":[{"name":"LCW SERVICES, LLC DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1041006","versionId":1041006,"submittedOn":"2026-04-10"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":234536275}],"custodyNote":"LCW Services has custody of $2.54M for 5 clients.","otherCustodians":[],"leadership":[{"name":"Roger Crook","title":"Co-Founder and Chief Compliance Officer","crd":"5667037"},{"name":"Repp Lambert","title":"Founder","crd":"2816247"},{"name":"Rachel Wren","title":"Director of Operations","crd":"2819174"}],"ownership":[{"label":"Lci LLC","detail":"Owner in the 75% or more ownership band and a control person, since January 2020."},{"label":"Recj LLC","detail":"Owner in the 25% to 50% ownership band and a control person, since January 2022."},{"label":"Repp Lambert","detail":"Indirect owner: a member of Lci LLC in the 75% or more band and a control person, since January 2020.","parent":"Lci LLC"},{"label":"Roger Crook","detail":"Indirect owner: a member of Recj LLC in the 75% or more band and a control person, since July 2025.","parent":"Recj LLC"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Virginia","offices":1,"addresses":[{"street":"4669 South BLVD, Ste 105","city":"Virginia Beach","headquarters":true}]}],"brochureServices":["education planning","insurance"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"757-834-7606","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund 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They include 158 individual clients and 103 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 10 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does LCW Services offer?","answer":"LCW Services provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, and insurance.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does LCW Services use?","answer":"LCW Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $235M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does LCW Services have?","answer":"LCW Services has 4 investment adviser representatives registered with state securities authorities, out of 6 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 5 employees are licensed insurance agents.","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 LCW Services invest in?","answer":"At the end of its last fiscal year, LCW Services’ separately managed accounts held 87% exchange-traded equities, 6% registered funds (mutual funds, ETFs, BDCs), 6% cash and equivalents and 1% U.S. government and agency bonds.","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 LCW Services?","answer":"LCW Services is owned through holding companies by Repp Lambert and Roger Crook. Its direct owners are Lci LLC (75% or more) and Recj LLC (25% to 50%).","source":"Form ADV Part 1A, Schedules A and B, filed 10 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does LCW Services get paid?","answer":"LCW Services is paid through a percentage of assets under management 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 LCW Services?","answer":"LCW Services’ main office is at 4669 South BLVD, Ste 105, Virginia Beach, VA 23452. Its phone number is 757-834-7606. Its website is alturawealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 10 April 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/lcw-services-337998/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-30","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2110690/000195175726001089/0001951757-26-001089-index.html","totalValue":229626577,"positionCount":40,"top10Share":0.7719641964614575,"top10":[{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":46869669,"shares":62586,"shareType":"SH","priorValue":39637045,"priorShares":60680},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"INTL EQTY ETF","cusip":"808524805","value":36932770,"shares":1333313,"shareType":"SH","priorValue":31743929,"priorShares":1282583},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P MCP 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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."}