Operate Like A Carnivore In Your Financial Life
Read labels carefully. Remove ultra-processed junk. Use simple ingredients. Plan ahead. Consistency Compounds.
Different Fuel, Different Future
Inside this guide, you'll discover:
✓ Why conventional plans leave a longevity blind spot
✓ How a longer life can change the Social Security math
✓ How traditional spending models could miss the mark
✓ Why getting too conservative too soon with your investments can create a different kind of retirement risk
✓ Other hidden assumptions that may no longer fit if you remain strong, capable, and independent later in life.
What We Believe
The ‘boring’ stuff still works
Long-term investing. Thoughtful tax, estate, and risk planning. Real relationships. Intentional living. We believe in evidenced-based, boringly effective investment principles.
It’s about more than money
Wealth without vitality is, unfortunately, one of our industry’s biggest blind spots. Our planning process aims to think differently about aging, healthspan, and being strong in the next chapter.
We think in decades, not quarters
The best outcomes in wealth and health often come from simple decisions repeated consistently over time. Compounding doesn’t happen overnight — it’s about playing the long game.
Earls Financial is a fiduciary, fee-only Registered Investment Advisor based in Lindale, Texas. We help carnivores, ketovores, and longevity-minded (pre)retirees become more intentional with their money as they move into the next chapter.
The firm is led by CFP® and CEPA® Professional, Ben Earls. We’re members of Fee-Only Network, XYPN, and NAPFA. Our process is primarily designed to serve our clients remotely. We can also meet you in person, especially as we get started. We have locations in Lindale and Fort Worth, Texas (we travel regularly to our clients — travel is based on capacity and evaluated on a case-by-case basis).
More About Our Philosophy
Read labels carefully
Some of the big food companies can get awfully creative with their marketing. And it’s not until you turn the product over that you actually get a sense for what’s really inside. It’s the same in the financial world. We have to be diligent about reading labels.
Remove ultra-processed junk
If/when we find products containing things that don’t help us, we have to remove them. Ultra-processed junk in our financial lives can do long-term damage, despite the clever marketing. We must be intentional and move to simplify with surgical precision.
Use Simple Ingredients
Just like a proper human diet uses simple ingredients, so, too, does a proper financial plan. If we can’t understand or explain an investment in a straightforward manner, we probably shouldn’t be invested in it. Not all complex problems have complex solutions.
Plan Ahead
Planning and preparation are essential when it comes to healthy choices. It’s the same with making wealthy choices. We have to come prepared or we’ll be caught off guard. Proper planning sets us up to be more intentional with our financial decisions.
Consistency Compounds
Results in health and wealth are often a product of the smaller decisions that we make, often on a daily basis. Success doesn’t happen overnight. It’s about repeating good decisions over a long period of time. It’s simple, but that doesn’t mean it’s easy.
Who We Work With
We work best with people who want more than a “money manager” for their investments. They're looking for a trusted financial partner who understands their goals and helps them make important decisions.
You might be a good fit if:
You're kind.
You’re a carnivore, ketovore, an ingredient household, or longevity-minded.
You've accumulated (or are accumulating) meaningful savings and want to make sure you're making the most of what you've built.
You want to be thoughtful about taxes, retirement income, and investment risk.
You'd rather spend your time enjoying life than managing every detail of your financial affairs.
You want to know your spouse or family will be well cared for when you’re gone.
We're intentional about the relationships we build. We believe the best financial planning happens when we get to know each other, share similar values, and work together over many years. Wondering why we serve carnivores, ketovores, and longevity-minded (pre)retirees? My wife saved my life and it changed the way I want to show up in the world. You can read about what happened here. It changed our life and our business. Now I have more energy, clarity, and focus to help people make wealthy decisions.
How We Help
We take the same basic framework that longevity-minded folks apply with health and nutrition, and we apply the same principles to our rigorous financial planning process. In doing so, we help our clients in their journey to stay strong, capable, and independent as they move into the next chapter.
Retirement Income Planning
We help you become more intentional about how to turn your savings into a thoughtful plan for funding the years ahead. We want you to worry less about charts, stats, the market, and the economy, and have more time for enjoying exactly what’s important to you and your family.
Investment Management
We help you build and maintain a portfolio specifically designed to support your lifestyle. Evidence-based investing. Disciplined. Diversified. Tax efficient. We continuously monitor your portfolio for rebalancing and tax-gain/loss harvesting opportunities. And we help coordinate withdrawals so you can be confident you’re optimizing your financial situation.
Integrated Tax Planning
Tax planning is not just something we do once per year. We have to be intentional about taxes with every financial move. We help you make more coordinated decisions about withdrawal sequences, Roth conversions, working to avoid IRMAA, and other planning opportunities to make the most of what you’ve saved.
Social Security and Medicare
We help you optimize your Social Security timing strategy and integrate it into the overall retirement income plan. We want to help you make sure your spouse/family are taken care of when you’re gone. Our network of allied professionals includes Medicare experts that will help you make the best decision on that front, too.
Insurance and Estate Planning
We help you mitigate risks and protect what you’ve built. Insurance and estate planning is a huge part of making sure you’re covered. We don’t sell insurance but we’ll help you evaluate things like life insurance, health insurance, and long-term care policies. And we’ll help coordinate getting your estate documents in order along with proper beneficiary designations.