Texas (Pre)Retirees and Business Owners: 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 financial 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. We help (pre)retirees and business owners become more intentional with their capital as they move into the next chapter.
The firm is led by CFP® and CEPA® Professional, Ben Earls, who has 8 years of experience helping clients make better retirement income decisions. We’re members of Fee-Only Network, XYPN, and NAPFA: organizations dedicated to advancing the fiduciary standard.
Our evidence-based process helps us get to know you and your family so we can help 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?
When you’re ready to gain more clarity, book an intro coffee meeting with Ben and Brenda.
Why Our Clients Love Us
Independent
We protect our independence fiercely. No proprietary funds. No cross selling. No kickbacks from investment funds on the back end. 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 delivering personalized solutions.
Holistic
So many advisors only focus on investments or insurance. But what about taxes? What about coordinating and optimizing income streams? 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.