About Us: Who We Are
Locker Financial Services, L.L.C.
Established in 1991 by Lauren Locker, CFP, Locker Financial Services, L.L.C. is a fee-only, personalized financial planning company and a registered investment advisory firm that has been providing a full range of services to individuals, families and small businesses for more than 20 years.
Lauren Locker, CFP ®, RFGSM
Lauren is an independent Certified Financial Planner (CFP ®) practitioner. Lauren is a proud member of the National Association of Personal Financial Advisors (NAPFA), having served as 2012-13 National Chair and as past-president and past-chair of the Northeast/Mid-Atlantic Region.
Lauren has augmented and expanded her professional credentials by earning her certification as a Registered Financial Gerontologist from the American Institute of Financial Gerontology. She is also a member of the American Society on Aging.
Besides running a busy practice, Lauren is also an adjunct instructor at The Cotsakos College of Business, William Paterson University, where she teaches a course in personal finance to undergraduate students. She enjoys doing educational presentations for a variety of professional, community and civic groups, and is a popular guest speaker. She has served as a panelist at the New York Times, has spoken to student groups at Yale University and other colleges and has presented modules for the Women's Financial Information Program offered through Rutgers Cooperative Extension Service.
Lauren is regularly called upon to contribute to articles on personal finance topics, and has been quoted in various regional and national newspapers and magazines. Check out our Events section to see the latest.
Lauren has served as a hospice volunteer, and is a member of her community’s Emergency Response Team (C.E.R.T.).
She is a passionate dog lover and enjoys golf and watch repair in her spare time.
Donna Mangone, REGISTERED PARAPLANNER, has been with Locker Financial Services since 1998. Prior to joining LFS, Donna worked in the pharmaceutical industry for many years.
Donna is a member of the "sandwich generation", with two college-age children, parents and in-laws who keep her very busy. She enjoys coordinating charity events and volunteers locally for disaster relief.
Rob Harrison joined the LFS team in 2004, and now works part time for both Locker Financial Services and ElderLife.
He graduated from Montclair State University with a degree in English, and subsequently earned his designation as a Certified Nursing Assistant (CNA).
He is an avid fan of the New York Mets and the music of The Beatles.
Ben was puppy cum laude and earned his B.A.doG. at Barker U., Boston (Terrier).
In addition to his sparkling intelligence, he sports large ears, a velvet button nose and soft fur.
Although Ben will not be actively participating in planning your portfolio, his sweet nature and good looks positively affect our office!
Fees and Rates
We offer a complementary initial consultation which will last about 45 minutes. You can get to know more about Locker Financial Services, find out how we work and decide if we could work successfully together.
Personalized Financial Planning
Once we have identified your unique financial planning goals, we will provide you with an estimate of the cost of preparing an integrated financial plan. Fees generally range from $2,500 to $5,000 depending on the complexity of the plan, based on our current hourly rate of $235. We require a 50% deposit prior to work beginning, with the balance due upon completion of the plan.
Investment Management Services
Investment Management services are offered at a rate of 1% of total assets under management billed quarterly. Please note that investment advisory fees are classified as a miscellaneous deduction and may be deductible for tax purposes.
Certifications and Memberships
- Certified Financial Planner
- Registered investment advisory firm
- National Association of Personal Financial Advisors
- Registered Financial Gerontologist
- American Society on Aging
Fine Print / Legal Disclosures
Locker Financial Services, LLC (LFS) is a New Jersey and New York state registered investment adviser located in Little Falls, NJ. LFS is in compliance with the current registration and/or notice filing requirements imposed upon state registered investment advisers in which LFS maintains clients, including NJ and NY. LFS may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. LFS's website is limited to the dissemination of general information pertaining to its investment advisory and financial planning services. Accordingly, LFS does not, and will not, effect or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by LFS with a prospective client shall be conducted by a LFS representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of LFS, please contact the state securities law administrators for those states in which LFS is required to maintain a registration and/or notice filing.