Our Associates

At our firm, we have the client—and only the client—in mind.

Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many friends and family struggling to find the help they needed to map out their financial future. We are confident that with our understanding of personal finance, coupled with our training as financial professionals, we can help people better prepare for the future. After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner so they can grasp personal finance and use those concepts to pursue their financial objectives. We feel a commitment to our community.

At our firm, we have the client—and only the client—in mind.

Over the years, we have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world. We invite you to discover and experience the power of our services. We believe it has far-reaching benefits for our clients to get opinions from several sources with diverse backgrounds, education, and experience.

No one strategy fits everyone, which is why every client gets our undivided attention—from planning to execution to follow-up. We take a proactive approach to helping you develop a strategy to address your financial goals and objectives, using the most efficient methods available.

Rick Lowe

LPL Financial Advisor | President



Welcome to your journey towards customizing a financial road map for your future. My name is Frederick Lowe, but I go by Rick. I have served clients in the financial services industry since 1997. First with a regional bank in Maryland, then a national brokerage firm, AG Edwards until they were sold, and then to the largest international broker dealer, UBS leaving them after 4 years and founding FSL Advisors.

 During all of those years, I had the privilege and opportunity to build fantastic relationships with clients from retirees, to small business owners, professional athletes, doctors, accountants and lawyers.

The biggest take away from those relationships were the diversity of their needs and the desire they had to not be “put in a box” but rather be treated individually with custom strategies created for their individual needs. This required me to draw on the widespread experiences I had while running our family business, leading by example from my military service and building teams from both the public, private and non profit backgrounds in the business community I served as president of the Chamber of Commerce and Rotary club.

While there were overlapping areas of needs, each presented unique problems in finance from insurance to cash flow and on to preservation and succession. Some were looking for charitable donation legacies, while others needed to focus on family education legacies, retirement income solutions, property preservation and wealth  transfer to future generations.

I spend my down time these days with the grandchildren but can often be found pursuing my hobbies on the golf course, boating skiing or at the shooting sports range.

If working with a highly committed team of financial professionals to craft an individual financial road map sounds appealing to you, please reach out to Sean or myself to start a conversation to determine if we are the right fit for you, and conversely, if you are the right fit for us.

Sean Lowe, MBA

LPL Financial Advisor



Hello and welcome! I am grateful to have the opportunity to share a little bit about myself with you. I have been in the financial industry now for seven years, five of which were with JPMorgan Chase. In September of 2021, I made the decision to join my father, Rick, at FSL Advisors Inc and to utilize LPL Financial as my broker dealer. One of my top passions in life is to help others, and with this career and path that I have chosen I have found an abundance of opportunities to help others, especially those in my local community. With honesty, integrity and expertise, I am able to help others achieve their short and long-term financial goals, such as retirement, leaving a legacy, or a major purchase, through personal and customized financial plans. 

I am originally from the east coast, where I bounced around states from New York, Maryland, and New Jersey. I have to say the thing I miss the most is some of the food (pizza) that is not as easy to come across out here in San Diego. I met my wife here in North County, where we currently live. We have one dog, who is basically our child, while we prepare to start growing our family in the near future. When I am not helping my clients, I love spending time with family and friends. My wife and I absolutely love going to concerts and doing anything involving sports. I love my community and try to give back whenever and however I can. I am part of the Oceanside Rotary Club, actively serve at my local church, and coach lacrosse at Rancho Buena Vista High School. 

Client Centered

Client Centered

Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses your needs, wants, and long-term goals.

Our team of professionals have years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you.