# Benjamin Packard > Benjamin Packard is a fee-only financial advisor at Lula Financial in Oakland, California. Lula Financial reports charging a subscription and fixed fees on its Form ADV. Page: https://find.wellspent.co/advisors/benjamin-packard/ Built from SEC adviser records; last checked October 30, 2026. ## Facts - **Firm:** Lula Financial - **Based in:** Oakland, California - **Fee model (firm's Form ADV):** Subscription; Fixed fees - **CRD:** 6932393 (https://adviserinfo.sec.gov/individual/summary/6932393) - **SEC registration:** Investment adviser representative in CA - **Exams passed:** Series 65 (2018) - **Firm size:** 1 employee - **Disclosures:** None reported ## Frequently asked questions ### Is Benjamin Packard a fee-only financial advisor? Yes, according to SEC records as of October 29, 2026: Benjamin holds no broker registration, and Lula Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV. ### How does Benjamin charge for financial advice? Benjamin's firm, Lula Financial, reports charging a subscription and fixed fees on its SEC Form ADV. ### Where is Benjamin Packard based? Benjamin Packard is based in Oakland, California. ### Is Benjamin Packard registered with the SEC? Yes. Benjamin Packard is registered as an investment adviser representative in CA (CRD 6932393), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. ### How do I contact Benjamin Packard? Contact details aren't on file yet. Search for Lula Financial. ## Sources - SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6932393): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration - SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026 --- Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.