# Lutz Financial

> Lutz Financial is an SEC-registered investment advisory firm in Omaha, NE, registered since 2003, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated July 7, 2026.

- CRD: 117273
- Filed as: LUTZ FINANCIAL
- Legal name: Lutz Financial Services, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Omaha, NE
- Filing period: October 2026
- Form ADV filing dated: July 7, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/117273
- AdvisorCensus page: https://advisorcensus.com/firm/lutz-financial-omaha-ne-117273

## Quick answers

**How is Lutz Financial compensated?**
On its Form ADV (Item 5.E, October 2026), Lutz Financial reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**Where is Lutz Financial located?**
Lutz Financial's principal office is in Omaha, NE, according to its Form ADV; the August 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Lutz Financial registered with the SEC or a state?**
Lutz Financial is an SEC-registered investment advisory firm, registered since 2003. Status as filed: Approved. CRD 117273.

**How much does Lutz Financial manage?**
Lutz Financial reports $3,187,194,167 in regulatory assets under management in its Form ADV filing dated July 7, 2026 (89% discretionary).

**How have Lutz Financial's assets and staff changed since 2021?**
In the Form ADV data for Lutz Financial: Regulatory assets under management: $1,433,927,817 in the October 2021 data and $3,187,194,167 in the October 2026 data, up 122%. Total employees: 15 in October 2021 and 23 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Lutz Financial serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (425); high net worth individuals (420); pension and profit sharing plans (but not the plan participants or government pension plans) (171).

**Which custodians does Lutz Financial use?**
Lutz Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Ascensus Broker Dealer Services, LLC and Charles Schwab & Co., Inc. as custodians holding 10% or more of its separately managed account assets.

**Does Lutz Financial report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/117273

**What changed in Lutz Financial's recent Form ADV filings?**
In the August 2026 filing data: Employees performing advisory functions went from 14 to 15. Registered or notice-filed in WA.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Custodians (Schedule D, Section 5.K(3))
- Ascensus Broker Dealer Services, LLC
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $3,187,194,167
- Discretionary: $2,834,743,258
- Non-discretionary: $352,450,909

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 425 | $136,536,253 |
| High net worth individuals | 420 | $2,200,181,454 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 171 | $789,325,232 |
| Charitable organizations | Fewer than 5 | $29,617,192 |
| Corporations or other businesses not listed above | 15 | $31,534,036 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for pooled investment vehicles (other than investment companies)
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services

### Firm details
- Registered since: 2003 (23 years)
- Employees: 23 total, 15 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, FL, IA, IL, KS, MN, MO, NE, NH, SD, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the August 2026 filing
- Grand Island, NE

### Websites listed on Form ADV (Item 1.I)
- lutz.us/FINANCIAL-SERVICES
- lutzfinancial.com
- LinkedIn @adriane-washburn-8763a15
- LinkedIn @alec-johnston-cfa-0ba3bb153
- LinkedIn @alyssatrumbull
- LinkedIn @austinwellsadviser
- LinkedIn @chris-wagner-cfp®-cpfa®-980b746
- LinkedIn @jaimebordelonbriganti
- LinkedIn @jim-boulay-cpa-cfp-cap-2b56216
- LinkedIn @joe-carlson-cfp®-603171149
- LinkedIn @joehefflinger
- LinkedIn @joshua-jenkins-cfa-39783316
- LinkedIn @justinvossen
- LinkedIn @nicholas-hall-cfp®-cap®-06747177
- LinkedIn @sam-bonebrake-cfp®-70002219b
- LinkedIn @shannon-gohr-cfp®-3ba896a5
- LinkedIn @tomhodgsoncfp
- X @401kadviser
- X @lutzfinancial
- X @vossenjustin

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $1,433,927,817 | 15 | April 5, 2021 |
| October 2022 | $1,818,535,232 | 15 | April 27, 2022 |
| October 2023 | $1,731,482,313 | 17 | September 25, 2023 |
| October 2024 | $2,279,041,520 | 20 | June 13, 2024 |
| October 2025 | $2,610,146,179 | 21 | March 31, 2025 |
| October 2026 | $3,187,194,167 | 23 | July 7, 2026 |

Regulatory assets under management: $1,433,927,817 in the October 2021 data and $3,187,194,167 in the October 2026 data, up 122%.
Total employees: 15 in October 2021 and 23 in October 2026.

## Changes in the filing (last 12 months)

### August 2026
- Employees performing advisory functions went from 14 to 15.
- Registered or notice-filed in WA.

### April 2026
- Regulatory assets under management went from $2,610,146,179 to $3,187,194,167 (+22%).

### December 2025
- Employees performing advisory functions went from 10 to 14.
- Registered or notice-filed in SD.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Lutz Financial (CRD 117273): Form ADV filing data as of October 2026.