Reliable Retirement Income for Retirees and Business Owners

We help our clients work towards reliable retirement income while integrating tax, estate, and investment planning.

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 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. 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 with folks who really benefit from what we do. 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 and you know you need help

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

  • 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.

We don’t take on everyone who walks through the door. Typically, we work with families that have significant assets and/or businesses ($1M or more in assets/revenue), but we have waived that before for good-fit folks who need help and with whom we enjoy being around.

We also have one-time Strategy Sessions if we’re not a good long-term fit for your situation. 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