There's no way that your wonderful workshops can ever capture what you really do, and sadly, in today's world, what you promote that you do is almost too good to be true. - Beth Freeman, Scottsdale AZ

Pearl & Andy Lockwood -- Owners & Founders,  Lockwood College Prep

516.882.5464 |


Pearl Lockwood, pontificating

Pearl Chizner Lockwood is an author and one of the leading financial aid experts in the country.  She files more than 450 financial aid forms for our clients annually, as well as handling loan paperwork and school verification requests.  Pearl  co-hosts College Talk Tuesday and The College Planning Edge podcast with Andy.

Pearl is a former Assistant District Attorney in Queens County and an alumna of Cornell University and St. John's Law.


Andy Lockwood on Cavuto Coast to Coast

Andy Lockwood is an internationally renowned best selling author,  college advisor and financial aid expert.  He is the creator of the "P4"  college advising system (Plan, Path, Position, Produce), a "backward-planning"  approach designed to help students discover their wiring and strengths, reverse engineer a set of colleges offering "wholesale" prices - that help students achieve success, post-college.

Each year, Andy's students are admitted to colleges such as Harvard, Yale, Princeton, MIT, Stanford, Duke and other elite colleges, as well as "regular" colleges, including state universities and community colleges.  Andy cares less about Rear Window Sticker Appeal and more about helping his students succeed, however they and their families define success.  There is a perfect college for every student.

Andy serves clients from all over the US and numerous countries including China, and Serbia.  Clients report that Andy is particularly adept at helping students position, or market themselves to enhance their odds of admission to top colleges, as well as identifying scholarships and funding strategies for high net worth business owners, divorced parents, student athletes and all sorts of families.

Andy is a member of the National Collegiate Advocacy Group and the National Association for College Admission Counseling. He received his BA from Wesleyan University - where he was on (not "played for") the basketball team - and St. John's Law School, where he met Pearl on the very first day.


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Public Appearances

Peal and Andy conduct numerous workshops on the "Dirty Little Secrets" of college admissions and finance at high schools, colleges, libraries, corporations and community centers.  Andy has served as an instructor for CPA's and other financial industry professionals, and as a mentor to other college planners about how to improve their practices.  He is highly sought after as an entertaining and informative speaker for forward-thinking parent community groups, including PTA and/PTAs, accounting and financial advisor firms, booster clubs libraries other non-profit organizations.

Pearl and Andy host The College Planning Edge podcast, College Talk Tuesday on their Facebook page and offer webinars on a monthly basis.  In addition, Andy writes The College Planning Edge Newsletter, a publication for his clients and Lockwood Inner Circle members.

The Lockwood Team

Christine Picano, Assistant to Pearl and Andy Lockwood. Christine wears many hats at Lockwood College Prep., including helping process financial aid forms, managing the batty schedules of Pearl and Andy and overall client satisfaction and referrals.  She is married with two sons, and lives in Roslyn Heights, New York.  Christine currently serves on the board of her son's high school's Booster Club, and her older son plays college lacrosse.


Marissa Uneberg - ACT/SAT Test Prep Expert

Marissa has tutored students academically and for the SAT, ACT, LSAT since 1996.

Originally hired by a national franchise test prep company that shall remain nameless (over the phone, based on her SAT scores only, they didn't check references!) Marissa discovered that she disagreed with their "one size fits all approach" to testing... well as their preference to help students improve their slowly - rather than as quickly as possible!

That did not go over well with her potential employer.

Marissa's tutoring journey took her to other big and small tutoring companies, even as an instructor at the City University Of New York (CUNY).

Ultimately, fed up with the Big Test Prep Company's constraints, Marissa decided to develop her own ACT and SAT Crusher curricula, designed to help students achieve their best scores in the LEAST amount of time.  

See  or call 516-882-5464 for information regarding tutoring (in person and online) and small group classroom instruction.

Jeff Knapp - College Advisor & Student-Athlete Recruiting Coach (B.A., Yale, M.B.A. NYU - Stern):  Jeff served as an Alumni Interviewer for Yale University for 15 years and has more than 20 years’ experience as a college advisor. Jeff was a two- sport athlete at Yale and has experienced the college recruiting process personally as well as with his own children. He has worked with many students at various academic levels, as well as student-athletes at all competitive and academic categories, including his son, a highly-recruited pitcher who received a Division I scholarship and was drafted by an MLB team.   In addition, Jeff served as a member of the North Hunterdon (NJ) Education Foundation Board of Trustees and was an Advisory Board founding member of Hoop Street Gang, a not-for-profit organization and college mentoring program for student athletes.

Beth Pickett - College Advisor

A graduate of Stanford University, Beth has been working with students across the U.S. as a college admissions counselor for more than a decade. Her clients have earned admission to Harvard, Yale, Brown, Caltech, UC Berkeley, UCLA, and Stanford, plus many other colleges and universities.

Beth earned her Certificate in College Counseling from UCLA and began working with families as an admissions counselor in 2007. From 2008 to 2010, Beth created, produced, and hosted the Countdown to College Radio Show, a live interview-based program that aired on WNSH in the Boston area.

At about that time, she began teaching summer essay-writing seminars to 80+ rising seniors annually, then leading a team of editors to review the students' essays and offer suggestions for improvements before they were submitted to the colleges.

Beth is a member of the Higher Education Consultants Association (HECA) and the Western Association for College Admissions Counseling. She resides in the seaside town of Ventura, California with her two teen boys. 

Rick Darvis CPA - College Funding Expert for High Income Business Owners

Rick specializes in helping high income business owners use college funding tools that are available only to them to free up funding for college.

Rick has been quoted in Forbes, CNN-FN, Newsweek, U.S. News and World Report, Money, Business Week, Kiplinger's Personal Finance, NY Times, Smart Money, Wall Street Journal, Bloomberg’s Personal Finance, Nation's Business, Financial Advisor, Dow Jones Newswire, On Investing, Knight Ridder News, Mutual Fund Market News, Research Magazine, Practical Accountant, Offspring, LIMRA's Market Facts, NAPFA Advisor, and AICPA's Planner.

Rick has provided education programs on tax and college planning for many financial service companies around the country, including Manulife, MFS, American Skandia, Franklin Templeton, Eastern Bank, US Bank, Linsco Private Ledger, Securities America, Genworth, Lincoln Financial, UBS, Wachovia, Smith Barney, John Hancock Financial Network, Legg Mason, Edward Jones, and Raymond James.

Rick is the author of several books, including The College Solution and Pay for Your Graduate Nursing Education Without Going Broke: Tips from the Pros.


Carl Buck, Graduate School Finance Expert

Carl Buck is a nationally recognized college financial aid expert with more than thirty years of experience guiding students, parents, and educators on matters related to how to pay for college.

As the former Director of Financial Aid at leading institutions such as Rice University, Rutgers University, and Director of Financial Aid Counseling at UCLA, Carl brings his insight and unique "inside" perspective to families challenged with keeping up with the rising cost of college for both undergraduate and graduate students.

Carl recently co-authored Pay for Your Graduate Nursing Education Without Going Broke. Carl's prior publication “Get a Jump! The Student Aid Answer Book” was distributed to thousands of high schools across the country. 

Carl has appeared on numerous talk shows and has been extensively quoted on college financial aid matters in leading media such as The New York Times, The Wall Street Journal, Kiplinger's Personal Finance, and Bloomberg radio. Most recently Carl served as a Vice President, Chase Student Loans, and a Senior Consultant, Discover Student Loans.

Carl earned both his bachelor's and master's degrees from Emerson College.


Lisa-Mader-214x300Lisa Robbins, Career and College Counseling Expert

Lisa is the founder and CEO of LEAP (Learning Enrichment & Assistance Program), a career and college counselor and an Advanced Birkman Consultant. Lisa and her firm have partnered with Lockwood College Prep to help students get into the best fitting colleges and choosing a major and career that will be rewarding and lucrative.

Lisa taught for eight years at the junior high and high school levels and holds a bachelor’s degree in education and her master’s in educational administration.  She is a member of the National Association of College Admissions Counselors (NACAC) and the Ohio Association of College Admissions Counselors.

A highly sought-after presenter at corporations such as Proctor & Gamble, as well as numerous parent, high school and educational industry groups, Lisa is also an expert on topics ranging from ACT-SAT Prep Essentials, How to Become What Colleges Want and Choosing a College Major that Sticks, among other topics.

Lisa lives in Greater Cincinnati with her three children.


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Sarah Idzik - College Essay Advisor

Sarah Idzik served as an admissions officer at UChicago for five years.  She read approximately 1,000 applications per year. Sarah helps our clients brainstorm, edit and polish their college essays so that they put their best feet forward to the admissions officers at each of their colleges.



Christopher Quintos -College Essay Advisor

Chris served as an admissions counselor at the University of Chicago for three years, reading thousands of college essays, where he also received his BA in Political Science and Economics, before obtaining his Masters in Law and Diplomacy from the Fletcher School, Tufts University.  He has helped Lockwood students brainstorm, edit and polish their college essays for more than five years.


Tessa Palter - College Essay Advisor

Tessa Palter worked as a writing tutor at the Yale University Poorvu Center for Teaching and Learning for three years. She helps college-bound students with essay editing, college applications, and test prep. At Yale, Tessa completed the creative writing concentration with a focus in nonfiction and personal essays. She graduated summa cum laude and holds a bachelor’s degree in English.


And now for the legal stuff to prove that Andy went to law school:

Team members are not employees or owners of Lockwood College Prep Inc., they are independent contractors. There is no supervision or control by either Lockwood College Prep or any team member on this page.  Neither Lockwood College Prep nor any of the team members on this page is responsible or liable in any way for the other's misstatements, advice, actions or anything with legal implications.


Thank you so much for your support and guidance and expert advise during this collegiate process.
Peter Strugatz
Carrie Clark
Easthampton, New York
Thank you again for your time. You were most helpful. I do appreciate your honesty and I know that it is the reason that you will always continue to be successful.
College stuff isn't always easy but in the short time that we talked you made me feel much more comfortable with the whole process. Thanks again.
Randi Scheingold
Dix Hills, New York
I saw Andy's ad..I was impressed with his knowledge of the whole financial aid process and very happy with the service he provides.
Initially, I thought I was just going to get financial aid advice but Andy helped us with a lot more than that. He spoke about camps Alexis should attend to showcase her talents, the sports resume to send out to colleges, sports dvd, the essays she should be writing, internships and just so many other little details that I just didn't think about. His rolodex is filled with the right connections that Lexi needed for the college process. He helped us market our daughter.
I think it would be worth your time to meet with Andy.
Thank you,
Karen Greene
Glen Head, New York
Backstory: How Did Pearl and Andy get into this business?
We're asked this question frequently, so if you're wondering (or just voyeuristic), here's the skinny:
After a moderately successful  five-year stint as a corporate law associate in New York City and in-house counsel to a publicly traded broker-dealer in Miami, Andy dipped his toes into the college consulting waters after he ran into another college advisor, who offered to train Andy, at a marketing conference in 2000. 
He chose this career because he personally amassed more than $100,000 in student debt between his undergraduate studies at Wesleyan University  - law school education at St. John's University School of Law.
Sometime around 2009, he realized how bad he was at doing financial aid forms and how much he hated them, so he talked Pearl into working with him, for free.
Now, Pearl and Andy have sworn a blood oath that they will never allow their four children to experience the humiliating credit problems, stress and other hardship he endured.Each of the above "horribles" could have been avoided if Andy's parents had an "Andy Lockwood" to consult. Andy insists that he would have done things 100% differently -if he knew then what he now knows.
Today's families face a more challenging environment (even before Coronavirus struck): 
Student debt officially passed credit cards as the number one source of consumer debt, weighing in at a whopping 1.6 Trillion dollars. 
That, combined with one of the worst job markets for college graduates in history, has helped create the perfect storm - arguably the toughest environment for college grads EVER.
Pearl and Andy's college planning advice has benefited more than 7,854 people, helping them to approach college admissions in a sane, common sense, non-Felicity/Lori manner, "position" themselves to maximize their odds of admission, minimize reliance on high fee, high rate student debt and leveling the playing field so that parents, armed with the knowledge of how financial aid really works, can avoid needlessly overpaying for college - even if they own a home or earn a six or seven-figure income.
Clients include families from all walks of life, but Andy does not offer his services to a prospective client unless he is convinced that he can help them achieve their goals.   He estimates that he turns away 25-30% of the families who seek him out.
When Pearl and Andy are not working, most of their time is spent with his family and participating in community activities.  
Pearl is an avid Pelotoner and equally avid "foodie."
Andy reads a lot, and golfs occasionally.

For more information, contact us at or 516.882.5464