LVZ provides financial planning, portfolio management for individuals and small businesses, and selecting other managers. Financial planning was provided to 1–10 clients last fiscal year.
LVZ reports 2,473 clients. They include 2,312 individual clients, 126 high-net-worth individuals, and 14 pension and profit-sharing plans. Of its assets, 100.0% ($1.13B across 5,879 accounts) are managed with discretion. It advised 2 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 93% | 74% |
| High-net-worth individuals | 5% | 23% |
| Pension and profit-sharing plans | <1% | 2% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | <1% | 1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 2,312 | $829M | 73.7% | $359K |
| High-net-worth individuals | 126 | $257M | 22.9% | $2.04M |
| Pension and profit-sharing plans | 14 | $21.3M | 1.9% | $1.52M |
| Charitable organizations | 9 | $2.72M | 0.2% | $302K |
| Corporations and other businesses | 12 | $15M | 1.3% | $1.25M |
| Total | 2,473 | $1.13B | 100% | $455K |
- Clients
- 2,312
- Regulatory AUM
- $829M
- AUM share
- 73.7%
- Avg. per client
- $359K
- Clients
- 126
- Regulatory AUM
- $257M
- AUM share
- 22.9%
- Avg. per client
- $2.04M
- Clients
- 14
- Regulatory AUM
- $21.3M
- AUM share
- 1.9%
- Avg. per client
- $1.52M
- Clients
- 9
- Regulatory AUM
- $2.72M
- AUM share
- 0.2%
- Avg. per client
- $302K
- Clients
- 12
- Regulatory AUM
- $15M
- AUM share
- 1.3%
- Avg. per client
- $1.25M
Total
- Clients
- 2,473
- Regulatory AUM
- $1.13B
- AUM share
- 100%
- Avg. per client
- $455K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 2
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
LVZ charges up to 2.00% a year for its Investment Management. The fee is billed in advance or in arrears and is negotiable. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning and Consulting
- Hourly, flat or ongoing monthly fees, as stated in the agreement; hourly maximum $400 per hour, fixed fees may be up to 3% of the assets analyzed, minimum fee $100.
- Non-Traded Assets Monitoring
- When agreed, a flat advisory fee, negotiated on the complexity and amount of the assets, in addition to the investment management fee.
- Outside Management Consulting
- Consulting on investments the firm cannot manage directly is a fee of $250 per quarter, payable in advance.
Ryan Vanderzwart owns 50% to 75% of LVZ. The leadership team of LVZ includes President Nathan Baumann and Chief Compliance Officer Ryan Vanderzwart. It has 24 employees, 18 of them in advisory roles.
Leadership
- Nathan BaumannVice President
- Ryan VanderzwartPresident/Chief Compliance Officer
Investment adviser representatives
16 representatives listed in the SEC register as of 9 October 2026.
- Joseph Pell Bartmess
- Nathan Louis Baumann
- Joshua J Bergsma
- Matthew James Bostwick
- Colton Keith Cockerell
- Julie Marie Endicott
- Joshua Andrew Franken
- William Klein Herweyer
- Michael David Hodgson
- Zachary Clayton Phillips
- Eric J Sale
- Timothy Lyndon Sharer
- Robert Jackson Stewart Jr.
- Ryan J Vanderzwart
- Nathan Chad Wood
- Ralph Alton Wood II
Staff
- 24 employees
- 18 in advisory functions
- 16 state-registered reps
- 2 broker-dealer reps
- 12 insurance agents
- 4 soliciting firms
- Owns 50% to 75% of LVZ, Inc.
Ryan Vanderzwart
Control person · since January 2000
- Owns 25% to 50% of LVZ, Inc.
Nathan Baumann
Control person · since January 2011
LVZ’s regulatory assets grew from $775M (July 2021) to $1.13B (September 2026); clients rose from 2,274 to 2,473 and employees from 17 to 24.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $1.13B | 2,473 | 24 | 15 |
| March 2025 | $969M | 2,387 | 25 | 15 |
| May 2024 | $875M | 2,415 | 23 | 15 |
| June 2023 | $808M | 2,522 | 21 | 12 |
| March 2022 | $918M | 2,463 | 17 | 9 |
| July 2021 | $775M | 2,274 | 17 | 1 |
Besides its headquarters, LVZ has 14 offices (4 private residences, listed without an address), with 11 listed addresses across 5 states.
Michigan · 5 listed addresses
- 240 South River Avenue, HollandHQ
- 2008 Hogback Road, Ann Arbor
- 201 Jonesville, Litchfield
- 2133 University Drive, Okemos
- 1600 E. Beltline Ne, Grand Rapids
Georgia · 3 listed addresses
- 505 Corporate Center Drive, Stockbridge
- 138 East Water St, Clarkesville
- 219 S 7th Street, Cordele
Florida · 1 listed address
- 640 Poinsettia RD, Belleair
Ohio · 1 listed address
- 4200 Regent Street, Columbus
Texas · 1 listed address
- 820 S Friendswood Drive, Friendswood
Other business names
LVZ has reported 2 other business names to the SEC.
- LVZ Financial Planning
- LVZ Investment Management
Contact and registration details
- Legal name
- LVZ, Inc.
- Headquarters
- 240 South River Avenue, Holland, MI 49423
- Website
- lvzfinancialplanning.com
- Phone
- 616-394-4994
- SEC file
- 801-66772
- Structure
- Michigan corporation
- Fiscal year end
- December
LVZ uses Fidelity ($841M) as custodian for its separately managed accounts. LVZ has custody of $292M in client assets for 468 clients.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $841M100%
At year end, LVZ’s separately managed accounts were mostly in funds (84%). Its reported 13F holdings for the quarter ended 30 June 2026 total $984M across 177 positions; the largest are iShares TR (14.5%), iShares TR (13.3%) and Dimensional ETF Trust (12.2%).
What the accounts hold
- Stocks6%
- Funds84%
- Cash7%
- Other3%
- Variable annuities3%
Reported 13F holdings
- $984M
- Reported 13F value
- 177
- Positions
- 79.0%
- In the 10 largest
- +12.3%
- Value vs. prior quarter
- iShares TR · S&P 500 Grwt ETF14.5%
- iShares TR · S&P 500 Val ETF13.3%
- Dimensional ETF Trust · Intl Core EQT MK12.2%
- First TR Exchange Traded FD · Smid Risng ETF11.9%
- J P Morgan Exchange Traded F · US Qualty Fctr7.5%
- First TR Exchange-traded FD · Core Investment6.9%
- J P Morgan Exchange Traded F · Active Bond ETF5.2%
- iShares TR · Core US Aggbd ET3.6%
- Dimensional ETF Trust · US High Prof ETF3.0%
- Dimensional ETF Trust · US Equi Mark ETF1.0%
Together, the ten largest are 79.0% of reported value.
How many clients does LVZ have?
LVZ has 2,473 clients and manages $1.13 billion for them, as of September 2026. They include 2,312 individual clients, 126 high-net-worth individuals, and 14 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 16 September 2026
What services does LVZ offer?
LVZ provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does LVZ charge?
LVZ charges up to 2.00% a year for its Investment Management. The fee is billed in advance or in arrears and is negotiable.
Which custodians does LVZ use?
LVZ’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $841M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 September 2026
How many financial advisors does LVZ have?
LVZ has 16 investment adviser representatives registered with state securities authorities, out of 24 employees, and 18 perform investment advisory functions. 2 employees are registered representatives of a broker-dealer and 12 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
What does LVZ invest in?
At the end of its last fiscal year, LVZ’s separately managed accounts held 84% registered funds (mutual funds, ETFs, BDCs), 7% cash and equivalents, 6% exchange-traded equities and 3% other. The 3% other category is described as: Variable Annuities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns LVZ?
LVZ’s direct owners are Ryan Vanderzwart (50% to 75%) and Nathan Baumann (25% to 50%).
Source: Form ADV Part 1A, Schedules A and B, filed 16 September 2026
How does LVZ get paid?
LVZ 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
Is LVZ registered with the SEC?
Yes, LVZ has been registered with the SEC as an investment adviser since 17 May 2006. Its CRD number is 124228 and its SEC file number is 801-66772.
Source: Form ADV Part 1A, Item 1, filed 16 September 2026; IAPD firm record
How do I contact LVZ?
LVZ’s main office is at 240 South River Avenue, Holland, MI 49423. Its phone number is 616-394-4994. Its website is lvzfinancialplanning.com.