# Michael Kinnear

> Michael Kinnear is a fee-only financial advisor at Brian D. Lowder in San Diego, California, who holds the CFP and CFA credentials. Michael charges a flat fee or retainer, hourly fees, an ongoing planning fee and a percentage of assets.

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

## Facts

- **Firm:** Brian D. Lowder
- **Based in:** San Diego, California
- **Fee model:** Flat fee or retainer; Hourly; Ongoing planning fee; Percentage of assets
- **Assets under management (firm):** $388.1M across 643 accounts
- **Credentials:** CFP, CFA
- **CRD:** 4277225 (https://adviserinfo.sec.gov/individual/summary/4277225)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 66 (2000)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** http://bdlowder.com

## Frequently asked questions

### Is Michael Kinnear a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Michael holds no broker registration, and Brian D. Lowder reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Michael charge for financial advice?

Michael charges a flat fee or retainer, hourly fees, an ongoing planning fee and a percentage of assets.

### Where is Michael Kinnear based?

Michael Kinnear is based in San Diego, California.

### What credentials does Michael Kinnear hold?

Michael Kinnear holds the CFP and CFA credentials.

### Is Michael Kinnear registered with the SEC?

Yes. Michael Kinnear is registered as an investment adviser representative in CA (CRD 4277225), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Brian D. Lowder manage?

Brian D. Lowder reports $388.1M across 643 accounts in assets under management.

### How do I contact Michael Kinnear?

Through Michael's website, bdlowder.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4277225): 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://bdlowder.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.