FEE-ONLY RETIREMENT INCOME PLANNING AND WEALTH MANAGEMENT
Wondering if you’re missing something with your retirement?
We’ll help you uncover opportunities, make more informed tax and investment decisions, and create a retirement income plan that gives you greater confidence in the years ahead.
Our Philosophy
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 your 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.
Earls Financial is a fiduciary, fee-only Registered Investment Advisor based in Lindale, Texas. We help pre-retirees, retirees, and business owners 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. In addition to meeting clients in Lindale and Fort Worth, we also serve clients remotely all over the country.
How We Help
Retirement Income Planning
Turn your savings into a thoughtful plan for funding the years ahead.
Investment Management
Build and maintain a portfolio aligned with your goals, income needs, and comfort with risk.
Tax-Aware Financial Planning
Make more coordinated decisions about withdrawals, Social Security, Roth conversions, and other planning opportunities.
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, helps them make important decisions, and is there for the long haul.
You might be a good fit if:
You're approaching retirement or already enjoying it, and want greater confidence in your financial decisions.
You've accumulated 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..
You value your health, independence, and longevity.
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.
A Note About Our Services
Our ongoing wealth management relationships typically involve families with $500,000 or more in investable assets. We also offer flat-fee financial planning for those who may not need ongoing investment management. If you're wondering whether we're a good fit, we'd welcome a conversation.