Cheng Luo
HHL Wealth Advisors · Flushing, New York
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.
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Specialties
Who they serve
- Founders
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 | $459K across 26 accounts |
| SEC registration | Investment adviser representative in NY · CRD 6678417 |
| Exams passed | Series 63 (2023) · Series 65 (2023) |
| Firm size | 2 employees |
| Disclosures | None reported |
| Website | hhlwealthadvisors.com |
How Cheng's firm compares
- Ongoing planning starts at $960 a year, below the New York median of $3,600 for fee-only firms that publish prices.
- A one-time plan starts at $1,000, below the New York median of $2,500 for fee-only firms that publish prices.
- HHL Wealth Advisors's average account is about $18,000, from its Form ADV (assets managed divided by 26 accounts).
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Questions about Cheng
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- HHL Wealth Advisors website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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