# Lance Ludwig

> Lance Ludwig is a fee-only financial advisor at Kingdom Financial in South Bend, Indiana, who holds the CFP and CKA credentials. Lance charges a percentage of assets and an ongoing planning fee (ongoing planning from $5,000 a year and 1% a year on the first tier of assets managed) and focuses on retirement planning, tax planning and estate & legacy planning.

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

## Facts

- **Firm:** Kingdom Financial
- **Based in:** South Bend, Indiana
- **Fee model:** Percentage of assets; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $5,000 a year; 1% a year on the first tier of assets managed
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $6.9M across 23 accounts
- **Credentials:** CFP, CKA
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 6500567 (https://adviserinfo.sec.gov/individual/summary/6500567)
- **SEC registration:** Investment adviser representative in IN
- **Exams passed:** Series 66 (2015)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://kingdomfinancial.com

## Frequently asked questions

### Is Lance Ludwig a fee-only financial advisor?

Yes. Lance Ludwig is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Lance's firm.

### How does Lance charge for financial advice?

Lance charges a percentage of assets and an ongoing planning fee.

### How much does Lance charge?

According to Kingdom Financial's website, checked October 28, 2026: ongoing planning from $5,000 a year; 1% a year on the first tier of assets managed.

### Does Lance work with clients virtually?

Yes. Kingdom Financial says on its website that it works with clients remotely.

### Where is Lance Ludwig based?

Lance Ludwig is based in South Bend, Indiana.

### What does Lance specialize in?

Lance's specialties include retirement planning, tax planning and estate & legacy planning. Lance works with retirees and pre-retirees.

### What credentials does Lance Ludwig hold?

Lance Ludwig holds the CFP and CKA credentials.

### Is Lance Ludwig registered with the SEC?

Yes. Lance Ludwig is registered as an investment adviser representative in IN (CRD 6500567), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Kingdom Financial manage?

Kingdom Financial reports $6.9M across 23 accounts in assets under management.

### How do I contact Lance Ludwig?

Through Lance's website, kingdomfinancial.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/lance-ludwig-40588): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.kingdomfinancial.com/): specialties, clients served, and fees, checked October 28, 2026

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