You don’t live like everyone else. Why would you retire like everyone else?

Financial planning and wealth management for pre-retirees, retirees, and business owners who question conventional wisdom about health, aging, and retirement.

How We Help Retirees
How We Help Business Owners

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.

Our Philosophy

The ‘boring’ stuff still works

Long-term investing. Thoughtful tax, estate, and risk 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.

The next chapter is about more than money

We believe wealth without vitality is one of our industry’s biggest blind spots. Our planning process aims to think differently about aging, healthspan, and a conventional retirement.

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.

Who We Work With

When we add a client, we’re looking for long-term relationships — we don’t want a bad fit for you or for us.

If you’re a retiree, pre-retiree, or business owner and a few of the following apply, we’ll have a good starting point:

  • You’re a kind person

  • You question conventional wisdom

  • You’re a carnivore or ketovore

  • Your decisions are starting to become more consequential (e.g. your assets/income are growing) and you know you need help

  • When thinking about financial topics, you find yourself wanting someone to “handle that for you”

  • You want your spouse well taken care of when you’re gone

  • You invest in yourself and/or in your business

  • You’re a life-long learner/working on being a better human

If some of these apply to you, we may be a good fit to work together. If not, you may be better served by another firm. We’re looking for people we’ll enjoy being around — there’s no need for either of us to waste time/not enjoy each other. Golfers, travelers and dog owners will have things in common with us as well.

We don’t take on everyone who walks through the door for our ongoing wealth management service. Typically, we work with families that have significant assets and/or businesses (that often means $500K or more in investable assets and/or business revenue).

We can also help through flat-fee planning options if that’s a better fit — see our Services page for options. Book an Intro Call using the button below if you want to discuss more about how we may be able to help.

Book An Intro Call