L & M Wealth Management and Retirement Solutions

The firm structures investments as directly originated promissory notes secured against residential or commercial real estate. This note-based model means each client holds a discrete, collateral-backed instrument rather than shares in a commingled fund. Terms, rates, and collateral are negotiated on a deal-by-deal basis.

Deal origination relies on relationships with real-estate sponsors, mortgage brokers, and property owners, primarily in secondary and tertiary U.S. markets. The firm focuses on sourcing opportunities where conventional bank financing is constrained, allowing it to capture yield premiums in exchange for providing private bridge and construction capital.

L & M concentrates on direct placements into real-estate-secured promissory notes. It does not publicly allocate to pooled private-credit funds, interval funds, or non-traded REITs, setting it apart from many retirement-focused RIAs that utilize packaged alternative products.

The client base consists of individuals focused on retirement income and small institutions with yield-oriented mandates. Its positioning around promissory notes and private credit attracts investors seeking current cash flow and capital preservation, often within self-directed IRAs or other tax-advantaged retirement accounts.

Collateral generally consists of residential or commercial real estate located in domestic markets, with emphasis on the Sunbelt and Midwest. These regions offer a combination of lower property-acquisition bases and steady rental demand, supporting the loan-to-value ratios the firm targets for secured-note issuance.