Retirees and Business Owners: The Boring Stuff Still Works
Be consistent. Think long-term. Eat real food. Because the goal isn’t just to retire — it’s to have the freedom and vitality to fully enjoy the life you’ve built.
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.
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 with you and your family. 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 Charles Schwab as we deliver customized solutions for your unique situation.
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 advice including tax, estate, risk, investment, and retirement planning (and some encouragement on the health and vitality front as well).