About Lawrence Wealth Management
A Fee-Only Fiduciary Financial Advisor Serving Clients Nationwide
When searching for the best fiduciary financial advisor, most investors are looking for three things:
- Advice that is legally required to put their interests first
- Transparent, fee-only compensation
- Experienced guidance through changing markets
Lawrence Wealth Management was founded in 2008 with one mission: Put client interests first…always.
We serve individuals, families, and trusts across the United States through a disciplined, tax-sensitive long-term investment approach.
What Does “Fee-Only Fiduciary” Really Mean?
Not all financial advisors operate under the same standards.
As a Registered Investment Advisory (RIA) firm:
We are legally bound by the Fiduciary Standard
We must act in our clients’ best interests
We receive no commissions from the purchase or sale of any investment product
We do not sell financial products
We accept no third-party compensation
Our compensation comes solely from advisory fees paid directly by our clients which is clearly disclosed every month to clients
36+ Years of Market Experience
Founder and President Richard S. Lawrence, CFA®, brings more than three decades of experience in:
- Securities analysis
- Economic analysis
- Portfolio construction
- Retirement income planning
- Navigating market volatility
He has guided clients with a steady hand through multiple bull markets, bear markets, and economic cycles.
Experience matters, particularly during periods of uncertainty.
Who We Serve
We work best with:
- Pre-retirees and retirees
- Investors with $1 million or more in investable assets
- High-net-worth families
- Individuals with concentrated stock positions
- Clients seeking tax-efficient retirement strategies
We intentionally limit the number of clients we serve to ensure responsiveness and a personalized approach to client service and portfolio construction.
Comprehensive Financial Planning
Investment management should not operate in isolation.
Our comprehensive planning process includes:
- Retirement income projections
- Social Security analysis
- Tax-efficient withdrawal strategies
- Roth conversion analysis
- Estate coordination
- College funding analysis
- Insurance evaluation
- Multi-scenario planning
The result is a structured financial roadmap designed to provide clarity and confidence.
Tax-Aware Investment Management
Investment returns alone do not determine long-term wealth.
After-tax returns matter.
We integrate:
- Tax-loss harvesting
- Capital gains management
- Strategic reduction of appreciated stock
- Asset location strategies
- Coordinated Roth conversions
- Charitable gifting strategies, including Donor Advised Funds
We work alongside clients and their CPAs to help in developing and executing tax-saving strategies designed to accomplish the clients’ long term goals.
Disciplined Portfolio Construction
We work with each client to create an investment portfolio designed specifically for them:
- We start by assessing the client’s appetite for risk
- How much cash or “liquidity” does the client need from investments for the next few years?
- Does the client have any special tax considerations?
- Do we need to include or exclude any investments based on personal interests?
- Very importantly, we draft an Investment Policy Statement “IPS” which guides us and the client as to how we will manage the portfolio. This IPS is a great discipline to not make ad hoc investment decisions based on emotions generated by short-term market or economic swings.
This helps prevent emotional reactions during volatile markets.
Begin the Conversation
Whether you are preparing for retirement, managing significant assets, or seeking a second opinion, Lawrence Wealth Management provides objective, fiduciary guidance grounded in experience and discipline.
We serve clients nationwide through secure virtual meetings and personalized financial planning.
