Texas (Pre)Retirees: Gain Clarity, Confidence, and Control As You Move Into The Next Chapter
No more worrying. No more second guessing. No more analysis paralysis with your retirement decisions. You’ll get help optimizing your retirement income streams, managing your risks, and becoming more tax-efficient from a fiduciary, fee-only advisor .
Earls Financial is a fiduciary, fee-only Registered Investment Advisor based in Fort Worth.
The firm is led by CFP® Professional, Ben Earls, who has 8 years of experience working on hundreds of retirement income plans while helping clients enjoy the next chapter. We’re members of Fee-Only Network, XYPN, and NAPFA: organizations dedicated to advancing the fiduciary standard.
Our evidence-based process helps you answer questions like:
Am I/are we going to be ok?
When can I retire/make work optional?
How much income will I have (and from where)?
What if something happens to me (or my spouse)?
How do I account for inflation, taxes, and healthcare?
What risks should I be worried about?
Which investments are right for me?
Do I need a will or a trust?
What if I inherit money?
How can I legally lower my taxes?
Should I have a Roth conversion plan?
When should I take Social Security?
What are my healthcare options?
What about Medicare and IRMAA?
If you have questions like the ones above, book a no-pitch, no-hassle coffee meeting with Ben and Brenda.
Why Our Clients Love Us
Fiduciary
Anyone can talk the fiduciary talk. But few walk the narrow path. And while we may need financial products at times, we have a core belief that decisions about your life savings shouldn’t be influenced by commissions. That’s why we’re members of Fee-Only Network, XYPN, and NAPFA — organizations exclusive to fee-only, fiduciary advisors.
Boutique
In a culture rapidly moving toward cold, impersonal interactions from faceless companies, we’re proud to work 1-on-1 to deliver customized advice for your unique situation. You know exactly who you’re dealing with when you call. However, “boutique” doesn’t mean we sacrifice quality. We utilize the strength and resources of Schwab while staying independent.
Holistic
So many advisors only focus on investments. But that’s not all that matters. What about taxes? What about optimizing income streams like pensions, Social Security and retirement accounts? What about Medicare and IRMAA? Roth conversion plans? Our clients receive holistic retirement advice, coordinating tax, estate, risk, and retirement planning into a customized wealth preservation strategy.
Start to make a mindset shift with the Retironomics framework. Get the playbook we use with our best clients as we help them enjoy and preserve their wealth.
Social Security benefits can turn out to be a MILLION-DOLLAR income stream for our average clients. Don’t throw away money by making these common mistakes!