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does Lutz Financial Services have?","answer":"Lutz Financial Services has 1,031 clients and manages $3.19 billion for them, as of July 2026. 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The fee is billed in advance and is negotiable.","source":"ADV PART 2A, filed 21 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Lutz Financial Services use?","answer":"Lutz Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $2.4B and Ascensus Broker Dealer Services, LLC (Newton, MA), with $564M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 7 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Lutz Financial Services have?","answer":"Lutz Financial Services has 15 investment adviser representatives registered with state securities authorities, out of 23 employees, and 15 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 6 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 Lutz Financial Services invest in?","answer":"At the end of its last fiscal year, Lutz Financial Services’ separately managed accounts held 95% registered funds (mutual funds, ETFs, BDCs), 2% exchange-traded equities, 2% cash and equivalents, 1% U.S. government and agency bonds, 1% state and local bonds, 1% investment grade corporate bonds and 1% derivatives.","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 Lutz Financial Services?","answer":"Lutz Financial Services’ direct owners are Ectart, LLC (50% to 75%), James Boulay (10% to 25%) and Justin Vossen (5% to 10%).","source":"Form ADV Part 1A, Schedules A and B, filed 7 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Lutz Financial Services get paid?","answer":"Lutz Financial Services is paid through a percentage of assets under management, hourly charges and fixed fees. 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