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Frank Lucia

Esi Financial Advisors
31 Years of Experience
Timonium, MD
4 DisclosuresBrokerSells Insurance
View SEC Summary
View SEC Summary

Frank Lucia is a registered investment advisor at Esi Financial Advisors, based in Timonium, MD, with 31 years of industry experience. Frank is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Annuities, Charitable Giving, Education Planning, Estate Planning, and 6 more. Their firm serves 12,379 clients with $2.8B in assets under management.

Esi Financial Advisors
Compensation
Commission-BasedFee-Only (% of Portfolio)Fixed/Hourly
Firm Size
536 advisors
Number of Clients
12,379 clients
Average Client Portfolio
$224K average
Assets Under Management
$2.8B

Fee Structure

Minimum Investment:$10K
Planning is included in investment management (also available separately)
Portfolio-Based Fees (Tiered)
Portfolio ValueAnnual Fee
Up to $1.0M1.00%
$1.0M - $2.5M0.75%
$2.5M - $5.0M0.60%
$5.0M - $10.0M0.50%
$10M+0.35%

Rates reflect the primary schedule used in programs like American Funds and Schwab Retirement Advisor Services. Other programs have different maximum fees (AssetMark up to 1.50%, Saratoga up to 2.00%, SEI up to 1.75% plus 0.05% administrative fee). Actual fees are negotiable.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

9515 Deereco Road, Suite 700, Timonium, MD, 21093

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History

Regulatory History (4)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Customer Dispute
July 2003
Settled
Regulatory
December 1999
Final
Regulatory
March 1997
Final
Customer Dispute
May 1996
Settled
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Frank works as an insurance agent for Worthington Financial Partners, dedicating his full time during trading hours. This activity is investment-related.

Employment History
Current Registrations
Esi Financial Advisors
January 2025 - Present · 1 yr 9 mos
Equity Services, INC.Broker
April 2007 - Present · 19 yrs 6 mos
Previous Registrations
1717 Capital Management CompanyBroker
January 2002 - April 2006 · 4 yrs 3 mos
Kaufman Bros., L.P.Broker
October 1998 - April 2001 · 2 yrs 6 mos
Weatherly Securities CorporationBroker
June 1997 - October 1998 · 1 yr 4 mos
Continental Broker-Dealer CORP.Broker
March 1997 - May 1997 · 2 mos
Americorp Securities, INC.Broker
November 1995 - March 1997 · 1 yr 4 mos
A. R. Baron & CO., INC.Broker
January 1994 - November 1995 · 1 yr 10 mos
Gruntal & CO. IncorporatedBroker
July 1993 - January 1994 · 6 mos
A. R. Baron & CO., INC.Broker
January 1993 - July 1993 · 6 mos
State Registrations32 states
ALCACOCTDCDEFLGAIDKYLAMAMDMEMIMTNCNJNMNVNYOHORPASCSDTXVAVTWAWIWV
AdvisorBrokerBoth

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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