# Cheng Luo

> Cheng Luo is a fee-only financial advisor at HHL Wealth Advisors in Flushing, New York. Cheng charges a flat fee or retainer, a one-time planning fee and an ongoing planning fee (ongoing planning from $960 a year and one-time plans from $1,000) and focuses on small business owners, retirement planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/cheng-luo/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** HHL Wealth Advisors
- **Based in:** Flushing, New York
- **Fee model:** Flat fee or retainer; One-time planning fee; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $960 a year; one-time plans from $1,000
- **Assets under management (firm):** $459K across 26 accounts
- **Specialties:** Small business owners, Retirement planning, Estate & legacy planning, Tax planning
- **Works with:** Founders
- **CRD:** 6678417 (https://adviserinfo.sec.gov/individual/summary/6678417)
- **SEC registration:** Investment adviser representative in NY
- **Exams passed:** Series 63 (2023), Series 65 (2023)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://hhlwealthadvisors.com/

## Frequently asked questions

### Is Cheng Luo a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Cheng holds no broker registration, and HHL Wealth Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Cheng charge for financial advice?

Cheng charges a flat fee or retainer, a one-time planning fee and an ongoing planning fee.

### How much does Cheng charge?

According to HHL Wealth Advisors's website, checked October 30, 2026: ongoing planning from $960 a year; one-time plans from $1,000.

### Where is Cheng Luo based?

Cheng Luo is based in Flushing, New York.

### What does Cheng specialize in?

Cheng's specialties include small business owners, retirement planning, estate & legacy planning and tax planning. Cheng works with founders.

### Is Cheng Luo registered with the SEC?

Yes. Cheng Luo is registered as an investment adviser representative in NY (CRD 6678417), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does HHL Wealth Advisors manage?

HHL Wealth Advisors reports $459K across 26 accounts in assets under management.

### How do I contact Cheng Luo?

Through Cheng's website, hhlwealthadvisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6678417): 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
- The firm's website (https://hhlwealthadvisors.com/): specialties, clients served, and fees, checked October 30, 2026

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