# Zak Lutz

> Zak Lutz is a fee-only financial advisor at LifeGuide Financial Advisors in Mechanicsburg, Pennsylvania, who holds the CFP, CKA and RLP credentials. Zak charges a percentage of assets and an ongoing planning fee (0.45%–1.37% a year of assets managed) and focuses on retirement planning.

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

## Facts

- **Firm:** LifeGuide Financial Advisors
- **Based in:** Mechanicsburg, Pennsylvania
- **Fee model:** Percentage of assets; Ongoing planning fee
- **Fees (firm's website):** 0.45%–1.37% a year of assets managed
- **Assets under management (firm):** $562.9M across 2,715 accounts
- **Credentials:** CFP, CKA, RLP
- **Specialties:** Retirement planning
- **Works with:** Retirees, Founders
- **CRD:** 5355724 (https://adviserinfo.sec.gov/individual/summary/5355724)
- **SEC registration:** Investment adviser representative in PA
- **Exams passed:** Series 66 (2007)
- **Firm size:** 25 employees
- **Disclosures:** None reported
- **Website:** https://lifeguidefa.com

## Frequently asked questions

### Is Zak Lutz a fee-only financial advisor?

Yes. Zak Lutz is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Zak's firm.

### How does Zak charge for financial advice?

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

### How much does Zak charge?

According to LifeGuide Financial Advisors's website, checked October 28, 2026: 0.45%–1.37% a year of assets managed.

### Where is Zak Lutz based?

Zak Lutz is based in Mechanicsburg, Pennsylvania.

### What does Zak specialize in?

Zak's specialties include retirement planning. Zak works with retirees and founders.

### What credentials does Zak Lutz hold?

Zak Lutz holds the CFP, CKA and RLP credentials.

### Is Zak Lutz registered with the SEC?

Yes. Zak Lutz is registered as an investment adviser representative in PA (CRD 5355724), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does LifeGuide Financial Advisors manage?

LifeGuide Financial Advisors reports $562.9M across 2,715 accounts in assets under management.

### How do I contact Zak Lutz?

Through Zak's website, lifeguidefa.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/49412): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://lifeguidefa.com/): specialties, clients served, and fees, checked October 28, 2026

---

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