Lohr & Company

What Lohr & Company does

Lohr & Company is a privately held, fee-based independent financial advisory firm founded in 1993 by Greg Lohr, MBA, and headquartered in Charlottesville, Virginia with a second office in Madison, VA. The firm serves individuals and families in or near retirement across Central Virginia, with a stated focus on converting accumulated savings into reliable, market-resistant income. Its service menu covers retirement income planning, tax planning, investment management, estate planning, healthcare planning, long-term care planning, charitable giving, and generational wealth planning.

The firm's central intellectual property is the Four Buckets Retirement Income Strategy®, a registered trademark and proprietary framework that segments retirement assets into four purpose-based categories (Cash Reserves, Earned Income, Secure Income, and Growth & Legacy). The methodology is also marketed as a standalone brand with its own website, a published book, and a recurring webinar curriculum. Securities and advisory services are delivered through a core partnership with Commonwealth Financial Network (FINRA/SIPC RIA/broker-dealer), and the firm has begun layering in complementary technology partnerships such as Wealth.com for digital estate planning (early 2025).

The business model is a hybrid of recurring and transaction-based revenue: AUM-based investment management fees, subscription-style financial planning fees, one-time planning fees, and commissions on securities and insurance products routed through Commonwealth. Distribution is relationship-driven, primarily through in-person consultations at the two office locations, supplemented by educational webinars, a content/blog presence, and client testimonials. The firm operates with 1-10 employees under a multi-generational family structure (founder Greg Lohr, partner Ethan Lohr, CFP®, and family operations staff), and explicitly maintains a boutique posture, prioritizing service depth over scale.

Name

Lohr & Company

Legal name

Lohr & Company

Website

https://lohrandcompany.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

Lohr & Company is a privately held, fee-based financial advisory firm founded in 1993 that provides retirement income planning, tax, estate, and wealth management services to individuals and families in or near retirement across Central Virginia, anchored by its proprietary Four Buckets Retirement Income Strategy® framework.

Ownership category

akta.pro rank

Product category

Retirement Income Planning and Wealth Advisory

NAICS

Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

akta.pro secondary industries

Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH), Discretionary Portfolio Management (DPM) (FSAAABAC)

Keywords

• Retirement income planning
• Wealth management services
• Financial advisory firm
• Estate planning services
• Tax planning advisory

Headquarters

HQ city

Staunton

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Investment Management Fees: Fees charged for managing client investment portfolios aligned with retirement planning goals.
2. Financial Planning Fees: Subscription-style planning fees for ongoing financial advisory services.
3. One-time Planning Fees: One-time fees for specific planning engagements or consultations.
4. Commissions: Commissions received from securities and insurance products sold through Commonwealth Financial Network.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Lohr & Company is a fee-based, independent financial advisory firm that provides retirement income planning, wealth management, tax planning, investment management, estate planning, healthcare planning, long-term care planning, charitable giving, and generational wealth planning for individuals and families in Central Virginia. Its flagship offering is the proprietary Four Buckets Retirement Income Strategy®, which organizes retirement assets into four purpose-based categories to create reliable, market-resistant income for retirees. Services are delivered via in-person consultations at offices in Charlottesville and Madison, VA, supported by an Investor360 client portal.

Product overview

Lohr & Company is a financial advisory firm (not a software/SaaS company) offering a suite of financial planning services centered on retirement income planning. The core offering is The Four Buckets Retirement Income Strategy®, a proprietary methodology that organizes retirement assets into four purpose-based buckets to generate reliable income. Services include retirement income planning, tax planning, investment management, estate planning, healthcare planning, long-term care planning, charitable giving, and generational wealth planning. The firm operates from offices in Charlottesville and Madison, Virginia, serving clients since 1993.

Differentiator

Problem solved

Functional benefit

Brands

• The Four Buckets Retirement Income Strategy®: Proprietary retirement income planning framework developed by Lohr & Company that organizes retirement savings into four categories: Cash Reserves, Earned Income, Secure Income, and Growth & Legacy.

Products and services

• Retirement Income Planning Comprehensive retirement planning service for individuals and families that converts accumulated savings into reliable, consistent income using the proprietary Four Buckets framework.
• Tax Planning Strategic tax planning service for retirees and pre-retirees covering Roth conversions, IRMAA management, and generational tax efficiency strategies.
• Investment Management Portfolio management and ongoing investment oversight service aligned with retirement income goals and the Four Buckets strategy, delivered through Commonwealth Financial Network.
• Estate Planning Estate planning coordination service covering will-based and trust-based plans, executor and guardian nominations, and asset titling strategies, including digital estate planning via Wealth.com.
• Healthcare Planning Healthcare planning service for retirees covering Medicare navigation, enrollment guidance, IRMAA planning, and HSA considerations, coordinated with trusted Medicare specialists.
• Long Term Care Planning Long-term care planning service addressing potential care needs through self-funding analysis and insurance evaluation.
• Charitable Giving Charitable giving advisory service covering donor-advised funds, qualified charitable distributions, and appreciated asset gifting strategies.
• Generational Wealth Planning Legacy and multi-generational wealth transfer planning service for passing assets to heirs and supporting charitable causes.
• The Four Buckets Retirement Income Strategy® Proprietary retirement income planning framework that organizes retirement assets into four purpose-based categories (Cash Reserves, Earned Income, Secure Income, and Growth & Legacy) to create reliable, market-resistant income in retirement.

Quantifiable outcome

• Clients report decades-long relationships with firm indicating high satisfaction and retention

Named customers10 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and supporting.

• Commonwealth Financial NetworkcoreOthersSecurities and advisory services are offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Advisor. This is the primary brokerage and RIA platform through which Lohr & Company delivers investment management and advisory services to clients. Fixed insurance products and services are offered separately from Commonwealth.
• Wealth.comsupportingTechnology or IntegrationDigital estate planning platform that Lohr & Company acquired access to in early 2025 to help streamline the estate planning process for clients. Provides guided workflow for wills, healthcare directives, and powers of attorney, with attorney support for more complex trust documentation.
• Medicare SpecialistssupportingImplementation/ SI/ Consulting PartnerTrusted Medicare specialists that the firm coordinates with to help clients evaluate Medicare coverage options and select plans that fit their needs and align with their financial plan.

Scale indicators2 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Buckingham Strategic Wealth: Fee-only RIA focused on evidence-based retirement and wealth planning for individuals, closely aligned with Lohr & Company's retirement income and tax planning emphasis.
• Carson Wealth: Independent wealth management firm with a strong retirement income planning orientation and advisor-support infrastructure, comparable to Lohr & Company's fee-based retirement advisory model.
• Halbert Hargrove: Boutique fee-only RIA specializing in retirement and legacy planning for individuals and families, directly comparable to Lohr & Company in size, service mix, and client profile.
• Modera Wealth Management: Fee-only financial planning and investment management firm with a retirement income focus, comparable to Lohr & Company as a boutique fiduciary advisory practice.
• Foster Group: Boutique RIA specializing in retirement income and legacy planning for individuals, comparable to Lohr & Company in focus, size, and reliance on a proprietary planning framework.
• Wiser Wealth Management: Independent fee-based advisory firm serving retirees and pre-retirees with holistic financial planning, directly comparable to Lohr & Company in client segment and service offering.

Broad incumbents

• Creative Planning: Large national RIA offering retirement, tax, and estate planning to individuals — overlapping with Lohr & Company on core services but operating at far greater scale and geographic breadth.
• Edward Jones: Large retail financial advisory network serving retirees and pre-retirees with retirement planning, investment, and insurance products — competing for the same client segment as Lohr & Company at national scale.
• Wealth Enhancement Group: Independent wealth management firm offering retirement, tax, and estate planning services, comparable in service mix to Lohr & Company but operating nationally through an acquired advisor network.
• Fisher Investments: Large independent investment manager serving individual retirement savers, overlapping with Lohr & Company's investment management and retirement income services at materially larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/lohrandcompany
• LinkedInlinkedin.com/company/lohrandcompanyc

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lohr & Company