Retirement and Business Exit Planning for Hardworking Texans

If you’re within 10 years of retirement (before or after), your financial situation is getting more complicated, and you want to make a plan to be sure you (and your spouse) are on track for the next chapter, we can help.

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 retirees and business owners have a plan for not running out of money in 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.

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.

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’re within 10 years of retirement (before or after)
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 golfer
You’re health conscious (you want more energy and vitality through lifestyle choices)
You’re a life-long learner/working on being a better human
You’re a traveler
You’re a dog person

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.

We don’t take on everyone who walks through the door. Typically, we work with families that have significant assets and/or businesses (that often, but not always, means $1M or more in assets/revenue).

We can also help through Strategy Sessions if that’s a better fit. You can 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

Retirement and Business Exit Planning for Hardworking Texans

If you’re within 10 years of retirement (before or after), your financial situation is getting more complicated, and you want to make a plan to be sure you (and your spouse) are on track for the next chapter, we can help.

Our Philosophy

The ‘boring’ stuff still works

Retirement is about more than money

We think in decades, not quarters

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’re within 10 years of retirement (before or after)

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 golfer

You’re health conscious (you want more energy and vitality through lifestyle choices)

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

You’re a traveler

You’re a dog person

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.

We don’t take on everyone who walks through the door. Typically, we work with families that have significant assets and/or businesses (that often, but not always, means $1M or more in assets/revenue).

We can also help through Strategy Sessions if that’s a better fit. You can book an Intro Call using the button below if you want to discuss more about how we may be able to help.