# Andrew Chan

> Andrew Chan is a fee-only financial advisor at Locker Financial Services, LLC in Needham, Massachusetts, who holds the BS, CFP and CIMA credentials. Andrew charges a one-time planning fee and hourly fees (one-time plans from $3,600 and $350 an hour) and focuses on retirement planning.

Page: https://find.wellspent.co/advisors/andrew-chan/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Locker Financial Services, LLC
- **Based in:** Needham, Massachusetts
- **Fee model:** One-time planning fee; Hourly
- **Fees (firm's website):** one-time plans from $3,600; $350 an hour
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $213.8M across 391 accounts
- **Credentials:** BS, CFP, CIMA
- **Specialties:** Retirement planning
- **CRD:** 4693414 (https://adviserinfo.sec.gov/individual/summary/4693414)
- **SEC registration:** Investment adviser representative in MA, NJ, TX
- **Exams passed:** Series 65 (2003)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** http://lockerfinancial.com

## Frequently asked questions

### Is Andrew Chan a fee-only financial advisor?

Yes. Andrew Chan is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Andrew's firm.

### How does Andrew charge for financial advice?

Andrew charges a one-time planning fee and hourly fees.

### How much does Andrew charge?

According to Locker Financial Services, LLC's website, checked October 28, 2026: one-time plans from $3,600; $350 an hour.

### Where is Andrew Chan based?

Andrew Chan is based in Needham, Massachusetts.

### What does Andrew specialize in?

Andrew's specialties include retirement planning.

### What credentials does Andrew Chan hold?

Andrew Chan holds the BS, CFP and CIMA credentials.

### Is Andrew Chan registered with the SEC?

Yes. Andrew Chan is registered as an investment adviser representative in MA, NJ and TX (CRD 4693414), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Locker Financial Services, LLC manage?

Locker Financial Services, LLC reports $213.8M across 391 accounts in assets under management.

### How do I contact Andrew Chan?

Through Andrew's website, lockerfinancial.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/1343): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://lockerfinancial.com/): specialties, clients served, and fees, checked October 28, 2026

---

Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.