Andrew Chan
Locker Financial Services, LLC · Needham, Massachusetts
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.
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Specialties
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 |
| Assets under management | $213.8M across 391 accounts |
| Credentials | BS · CFP · CIMA |
| SEC registration | Investment adviser representative in MA, NJ, TX · CRD 4693414 |
| Exams passed | Series 65 (2003) |
| Firm size | 3 employees |
| Disclosures | None reported |
| Website | lockerfinancial.com |
How Andrew's firm compares
- A one-time plan starts at $3,600, above the Massachusetts median of $3,000 for fee-only firms that publish prices.
- The hourly rate is $350, above the Massachusetts median of $300 for fee-only firms that publish prices.
- Locker Financial Services, LLC's average account is about $547,000, from its Form ADV (assets managed divided by 391 accounts).
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Questions about Andrew
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- Locker Financial Services, LLC website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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