# Business Wise Insurance, PLLC

> Business Wise Insurance, PLLC is a state-registered investment advisory firm in Snohomish, WA, registered since 2019, reporting under $25 million in regulatory assets under management in its Form ADV filing dated August 24, 2026.

- CRD: 297580
- Filed as: BUSINESS WISE INSURANCE, PLLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Snohomish, WA
- Filing period: October 2026
- Form ADV filing dated: August 24, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/297580
- AdvisorCensus page: https://advisorcensus.com/firm/business-wise-insurance-pllc-snohomish-wa-297580

## Quick answers

**How is Business Wise Insurance, PLLC compensated?**
On its Form ADV (Item 5.E, October 2026), Business Wise Insurance, PLLC reports these compensation arrangements: a percentage of assets under its management; hourly charges. The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Business Wise Insurance, PLLC located?**
Business Wise Insurance, PLLC's principal office is in Snohomish, WA, according to its Form ADV.

**Is Business Wise Insurance, PLLC registered with the SEC or a state?**
Business Wise Insurance, PLLC is a state-registered investment advisory firm, registered since 2019. Status as filed: APPROVED. CRD 297580.

**How much does Business Wise Insurance, PLLC manage?**
Business Wise Insurance, PLLC reports $4,733,934 in regulatory assets under management in its Form ADV filing dated August 24, 2026 (30% discretionary).

**What types of clients does Business Wise Insurance, PLLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (4); pension and profit sharing plans (but not the plan participants or government pension plans) (3).

**Does Business Wise Insurance, PLLC report any disciplinary disclosures?**
Reports 1 disclosure item on Form ADV Item 11: yes answers to 11.D(1) (another regulator's finding of a false statement or omission, or of dishonest, unfair, or unethical conduct). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/297580

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Regulatory assets under management (Item 5.F)
- Total: $4,733,934
- Discretionary: $1,431,008
- Non-discretionary: $3,302,926

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 4 | $929,729 |
| High net worth individuals | Fewer than 5 | $0 |
| Banking or thrift institutions | Fewer than 5 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 3 | $3,804,205 |
| Charitable organizations | Fewer than 5 | $0 |
| State or municipal government entities (including government pension plans) | Fewer than 5 | $0 |
| Other investment advisers | Fewer than 5 | $0 |
| Insurance companies | Fewer than 5 | $0 |
| Sovereign wealth funds and foreign official institutions | Fewer than 5 | $0 |
| Corporations or other businesses not listed above | Fewer than 5 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2019 (7 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, LA, UT, WA
- Disclosures (Item 11): Reports 1 disclosure item on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(1): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate made a false statement or omission, or was dishonest, unfair, or unethical?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/297580

### Websites listed on Form ADV (Item 1.I)
- [business-wize.com](https://business-wize.com)
- LinkedIn @robert-lockyer-benefits

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Business Wise Insurance, PLLC (CRD 297580): Form ADV filing data as of October 2026.