# Mitsuo Lockrow

> Mitsuo Lockrow is a fee-only financial advisor at Cambridge Wealth Management in Cambridge, New York. Mitsuo focuses on retirement planning and tax planning. Cambridge Wealth Management reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Cambridge Wealth Management
- **Based in:** Cambridge, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $31.8M across 88 accounts
- **Specialties:** Retirement planning, Tax planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 2640883 (https://adviserinfo.sec.gov/individual/summary/2640883)
- **SEC registration:** Investment adviser representative in NY, TX
- **Exams passed:** Series 63 (1995), Series 65 (1996)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.cwllc.com

## Frequently asked questions

### Is Mitsuo Lockrow a fee-only financial advisor?

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

### How does Mitsuo charge for financial advice?

Mitsuo's firm, Cambridge Wealth Management, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Mitsuo Lockrow based?

Mitsuo Lockrow is based in Cambridge, New York.

### What does Mitsuo specialize in?

Mitsuo's specialties include retirement planning and tax planning. Mitsuo works with retirees and pre-retirees.

### Is Mitsuo Lockrow registered with the SEC?

Yes. Mitsuo Lockrow is registered as an investment adviser representative in NY and TX (CRD 2640883), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Cambridge Wealth Management manage?

Cambridge Wealth Management reports $31.8M across 88 accounts in assets under management.

### How do I contact Mitsuo Lockrow?

Through Mitsuo's website, www.cwllc.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/2640883): 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://www.cwllc.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.