Reliable Retirement Income for Retirees and Business Owners
We help our clients work towards reliable retirement income while integrating taxes, estate, and investment planning.
Earls Financial is a fiduciary, fee-only Registered Investment Advisor based in Lindale, Texas. We help retirees and business owners become more intentional 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: organizations dedicated to advancing the fiduciary standard.
Our Philosophy
The boring stuff still works
Long-term investing. Thoughtful tax planning. Real relationships. Intentional living. No hacks or quick fixes here — if you’re looking for a magic pill or viral social media tip, you’ve landed on the wrong page.
Retirement is about more than money
We believe wealth without vitality is one of retirement’s biggest blind spots. Our planning process aims to save you time, energy, and stress so you can be more intentional as you move into 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. Our approach to retirement income and investing is time-tested and evidence-based.