Management Team

Luther Lockwood, Managing Principal

704.335.4522 | Contact Luther

Luther brings a broad range of wisdom and experience in advising clients in Executive Compensation & Benefits, Business Exit Planning, Wealth Planning and Disability Planning for high income professionals and athletes. He enjoys working with privately held businesses, entrepreneurs, compensation committees of public companies, corporate executives, and family offices in collaboration with their team of professional advisors. Luther started his career in Atlanta in the late 1980s, merged his practice with the firm in 1996 and was named partner prior to the sale of the business to Wachovia (now Wells Fargo) in 1999. During the firm’s period of ownership by the bank he held a number of leadership positions including Managing Director of the Executive Benefits Group where he was responsible for the origination, plan design and service for over $2 Billion of retirement assets. Luther also served as Managing Director-National Accounts for the National Wealth Management team and supported Calibre (now Abbot Downing) the Family Office practice. He led the effort to repurchase the firm from Wells Fargo in early 2009.

Luther’s industry involvement is extensive, where he serves as a voice for his clients. He has chaired AALU’s Business Insurance and Estate Planning Committee, and served as President of both the Charlotte Chapter of the Charlotte Estate Planning Council and Society of Financial Services Professionals. He is a member of the Charlotte Area Compensation Council, Charlotte Benefits Forum, World at Work, the National Association for Employee Ownership and the National Association of Plan Advisors. He is a member of Young Presidents Organization (YPO), past Chairman of YPO in North Carolina and past member of the Southern 7 Chapter Board.

In the community, Luther is on the Board of Directors of the Carolinas Healthcare System Foundation where he has been actively involved with the McColl-Lockwood Lab for Muscular Dystrophy Research. He is Vice Chairman of the Board of Trustees at Discovery Place/Charlotte Nature Museum where he chairs the Finance and Investment Policy Committees.

Luther earned a degree in Risk Management and Insurance from the University of Georgia Terry College of Business, currently ranked as the #1 insurance program in America by US News and World Report. He’s an active alumnus serving on the UGA Alumni Association Board, as an Emeritus Member of the Terry Alumni Advisory Board and as a Guest Lecturer-Practitioner at the College. Luther holds the CLU, ChFC, Accredited Estate Planner (AEP), Registered Health Underwriter (RHU) designations. He is a member of the Advisory Committee of M Holding Securities where is an Investment Advisor Representative (IAR).

Licensed in: District of Columbia, Maryland, Michigan, Mississippi, Missouri, New Jersey, Rhode Island, Alaska, California, Connecticut, Delaware, Florida, Georgia, Illinois, Nevada, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Texas, Virginia

Don Payne, Managing Director

704.335.4536 | Contact Don

Don works with our clients and their advisors to implement advanced life insurance planning strategies to best fit a complex need. With our experienced team, he comprehensively reviews existing plans and life insurance policy portfolios to provide better premium efficiency and secure our clients’ coverage needs for the long-term. He brings over 25 years of extensive financial services industry experience covering strategic planning, medical and financial underwriting, advanced design, market development and management.

Previously Don served as Managing Partner of Harris, Crouch, Long, Scott & Miller where he developed best practices for underwriting, case design and ongoing services for ultra-high net worth families. He directly managed key client relationships and worked with their closest professional advisors. Prior to that, Don was with the Todd Organization, a national provider of non-qualified benefit plans and served as Vice President, Chief Compliance Officer and Chief Financial Officer of its broker dealer. He was one of the founding officers of the broker dealer and coordinated their successful membership approval with the NASD (now FINRA). In addition to holding Life and Health, and Long Term Care Insurance Licenses, Don also holds his Series 6, 26, 27, 63 and 65 FINRA licenses.

Don earned a Master’s in Business Administration and a Bachelor of Arts in Computer Science from East Carolina University and has earned the CLU, ChFC and CFP professional designations. He is a long-standing member of the Association of Advanced Life Underwriting (AALU) where he previously served as Vice Chairman of the Business Insurance and Estate Planning Committee. He’s a Past President of the Piedmont Estate and Business Planning Council and was previously a member of the PartnersFinancial Advisory Board and served as Chairman of the Compensation Committee.

Kristy Partin, CFP®, CFO

704.335.4512 | Contact Kristy

Kristy is a Certified Public Accountant and Certified Financial PlannerTM with 10 years of financial and tax experience in working with high net worth individuals. In addition to her role at MBL Advisors, Kristy is the Chief Financial Officer of McColl Brothers Lockwood, LLC, the McColl and Lockwood family office and serves as a resource to MBL clients in the wealth transfer area.

Prior to joining MBL Advisors, Kristy served as Tax Manager at Pesta, Finnie & Associates, LLP where she worked from 2007 to 2012. Kristy began her career in the Private Client Services Group at PricewaterhouseCoopers in Charlotte. Throughout her career, she has assisted closely-held entities and individuals with tax strategy, planning, compliance and general business advisory services. Kristy received a B.S. and Masters in Accounting from East Carolina University.

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