Description of Advisory Firm
Lokken Investment Group, LLC is a registered investment advisory firm registered with the
Securities and Exchange Commission (“SEC”). Previously, it was registered with the State of
Delaware. Its principal place of business located in Delaware. LIG was formed in October of 2008
and Jonathan Lokken is the principal owner. As of December 31, 2023, LIG manages $301,878,367
on a discretionary basis.
Types of Advisory Services
Investment Management Services
We are in the business of managing individually tailored investment portfolios. Our firm provides
continuous advice to a client regarding the investment of client funds based on the individual needs
of the client. Through personal discussions in which goals and objectives based on a client's particular
circumstances are established, we develop a client's personal investment policy or an investment plan
with an asset allocation target and create and manage a portfolio based on that policy and allocation
target. During our data-gathering process, we determine the client’s individual objectives, time
horizons, risk tolerance, and liquidity needs. We may also review and discuss a client’s prior
investment history, as well as family composition and background.
Account supervision is guided by the stated objectives of the client (e.g., maximum capital
appreciation, growth, income, or growth and income), as well as tax considerations. Portfolios can
also be constructed, per client request, with a socially responsible or Environmental, Social and
Governance (‘ESG’) approach. Clients may impose reasonable restrictions on investing in certain
securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item
5 of this brochure.
Adviser to Pooled Investment Vehicle (the Fund)
As of October 2018, LIG serves as the discretionary investment manager of Big Oak Partners Fund,
LP (the “Fund”), a Delaware limited partnership operating as a private investment fund. LIG
performs investment advisory services for the Fund and is responsible for the investment of the
Fund’s assets. Clients of LIG will be solicited to invest in the Fund pursuant to the terms of the
subscription documents.
Big Oak Investors, LLC, a limited liability company organized under the laws of Delaware, serves
as the general partner of the Funds. As general partner, it is primarily responsible for the management
of these Funds. Both the general partner and LIG are controlled by Jonathan Lokken.
Financial Planning
LIG provides clients financial planning services. Financial planning is a comprehensive evaluation
of a client’s current and future financial state which uses currently known variables to predict future
cash flows, asset values and withdrawal plans. The key defining aspect of financial planning is that
through the financial planning process, all questions, information and analysis will be considered as
they impact and are impacted by the entire financial and life situation of the client. Clients purchasing
this service will receive a written or an electronic report, providing the client with a detailed financial
plan designed to help the client achieve his or her stated financial goals and objectives. The client
always has the right to decide whether or not to act upon the recommendations provided within the
financial plan. If the client elects to act on any of the recommendations, the client has the right to
affect the transactions through anyone of their choosing.
In general, the financial plan will address any or all of the following areas of concern. The client and
advisor will work together to select the specific areas to be covered within a financial plan. These
areas may include, but are not limited to, the following:
• Cash Flow and Debt Management: We will conduct a review of your income and expenses to
determine your current surplus or deficit along with advice on prioritizing how any surplus should
be used or how to reduce expenses if they exceed your income. Advice may also be provided on
which debts to pay off first based on factors such as the interest rate of the debt and any income tax
ramifications. We may also recommend what we believe to be an appropriate cash reserve that should
be considered for emergencies and other financial goals, along with a review
of accounts (such as
money market funds) for such reserves, plus strategies to save desired amounts.
• College Savings: Includes projecting the amount that will be needed to achieve college or other post-
secondary education funding goals, along with advice on ways for you to save the desired amount.
Recommendations as to savings strategies are included, and, if needed, we will review your financial
picture as it relates to eligibility for financial aid or the best way to contribute to the education of
grandchildren (if appropriate).
• Employee Benefits Optimization: We will provide review and analysis as to whether you, as an
employee, are taking the maximum advantage possible of your employee benefits. If you are a
business owner, we will consider and/or recommend the various benefit programs that can be
structured to meet both business and personal retirement goals.
• Estate Planning: This usually includes an analysis of your exposure to estate taxes and your current
estate plan, which may include whether you have a will, powers of attorney, trusts and other related
documents. Our advice also typically includes ways for you to minimize or avoid future estate taxes
by implementing appropriate estate planning strategies such as the use of applicable trusts.
Clients are asked to consult with their qualified attorney when you initiate, update, or complete estate
planning activities. Upon request, we may provide recommendations for attorneys who specialize in
estate planning services. When necessary and requested to, we can participate in meetings or phone
calls with you and your attorney.
• Financial Goals: We will help clients identify financial goals and develop a plan to reach them. We
will identify what you plan to accomplish, what resources you will need to make it happen, how
much time you will need to reach the goal, and how much you should budget for your goal.
• Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long-
term care, liability, home and automobile.
• Investment Analysis: This may involve developing an asset allocation strategy to meet clients’
financial goals and risk tolerance, providing information on investment vehicles and strategies,
reviewing employee stock options, as well as assisting you in establishing your own investment
account at a selected broker/dealer or custodian. The strategies and types of investments we may
recommend are further discussed in Item 8 of this brochure.
• Retirement Planning: Our retirement planning services typically include projections of the
likelihood of achieving your retirement financial goals, typically focusing on financial independence
as the primary objective. For situations where projections show less than the desired results, we may
make recommendations, including those that may impact the original projections by adjusting certain
variables (e.g., working longer, saving more, spending less, taking more risk with investments).
If you are near retirement or already retired, advice may be given on appropriate distribution
strategies to minimize the likelihood of running out of money or having to adversely alter spending
during your retirement years.
• Risk Management: A risk management review includes an analysis of your exposure to major risks
that could have a significantly adverse effect on your financial picture, such as premature death,
disability, property and casualty losses, or the need for long-term care planning. Advice may be
provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus
the benefits of doing so and, likewise, the potential cost of not purchasing insurance (“self-insuring”).
Client Tailored Services and Client Imposed Restrictions
We offer the same suite of services to all of our clients. However, specific client financial plans and
their implementation are dependent upon each client’s current situation (income, tax levels, and risk
tolerance levels, etc.) which is used to construct a client specific plan to aid in the selection of a
portfolio that matches restrictions, needs, and targets. Clients are permitted to place reasonable
restrictions on the management of their investment portfolios.
Wrap Fee Programs
We do not participate in wrap fee programs.