About Us:

We’ve made it our life’s work to help you enjoy and preserve the payoff from your life’s work. Your financial life is more than a spreadsheet — it’s much more than math to us. You’ll never feel like just a number here.

Ben Earls CFP®, CEPA®

Ben is a Certified Financial Planner® Professional and a Certified Exit Planning Advisor®. He has been helping families preserve wealth since 2018. He previously spent 6 years working with physicians and nurses in the ER and in medical sales. He discovered the CFP Board while helping patients navigate medical insurance issues and reading up on personal financial planning topics for his family. He quickly decided to make a career change and hasn’t looked back since. Ben believes his clients deserve caring, competent, commission-free advice and he’s on a mission to make sure they get it.

Brenda Earls
Operations Manager

Brenda received her bachelor’s degree from Dallas Baptist University in education, and is a former public school elementary teacher. She knows how challenging and rewarding each day can be as an educator and can relate to the chaos. She has a passion for bringing clarity to our clients by helping navigate the complexities of TRS benefits and integrating them into the overall plan. She’s a superstar when it comes to executing a plan with precision and efficiency, so the firm relies heavily on her to get things done and help clients stay on track.

Earls Financial is a fiduciary, fee-only Registered Investment Advisor based in Fort Worth. We serve pre-retirees, retirees, and business owners — good folks who have worked hard to build $1M+ businesses and/or portfolios. We help by working to reduce uncertainty around what the next chapter will look like for their personal, financial, and business lives.

Here’s how we help pre-retirees, retirees, and business owners:

It’s really that simple. We help by reducing complexity and uncertainty so that better decisions can lead to better outcomes.

And it really works well for our clients. It’s all about getting more intentional with time, attention, and capital as we start to plan for the next chapter.

In the process, our clients gain clarity, confidence, and control over their situation.

We may be able to do something similar for you.

But before we could get into any detailed prescriptions for your unique situation, we’ll need to learn a bit about each other.

Hi — we’re Ben and Brenda Earls. Nice to “meet” you virtually 👋.

I (Ben) am a Certified Financial Planner® Professional and Certified Exit Planning Advisor®. Brenda is the Operations Manager of Earls Financial and she keeps our firm running smoothly and efficiently.

One of the reasons I became a CFP® professional is to help people like my Grandma. After Grandpa died in 2015 I had no idea how to help her with the life insurance death benefit she received.

It’s something that still haunts me to this day.

Now, I’ve made it my mission to help my clients enjoy and preserve their wealth. I want them to have peace of mind and avoid mistakes.

Because if I had known then what I know now, I wouldn’t have any regrets. I would’ve been able to deliver the right advice at the right time to the right person.

But I wasn’t a financial planner then. I didn’t know what I didn’t know. And I absolutely don’t regret where it led me.

It drove me to learn more about retirement income, make a career change, and it continues to remind me that I never want to let that happen again.

Now our clients look to us when they need help focusing on the most critical questions affecting their financial lives:

  • How much money do I need to make work optional?

  • When can I make work optional?

  • What is the value of my business/can I sell it?

  • 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?

These are the questions we help our clients with day in and day out at our firm.

Oh and don’t worry — Grandma is ok. She still misses Grandpa dearly, but she’s just fine financially.

But that’s enough about us and our family. I want to focus on what you need and if we may be able to help.

I want to help you transform the way you think about your next phase - if you’re ready.

I want to help you protect what you’ve built, manage your risks, help you think through trade-offs, align your money with your values, and maybe even continue growing if that’s what you’d like to do.

All you have to do is get started with an Intro Coffee Meeting: click here to book.

There’s no risk to our coffee meeting or obligation to work together long-term. And that goes for both of us, by the way.

We’ll only keep going if we both feel like it’s a good fit. No pressure. No pitch. No hassle.

You can schedule an in-person or virtual Coffee Meeting by clicking the green button below. When you click it, you’ll be taken to our Calendly page where you can book time directly onto our calendar.

When we have coffee together, we’ll simply have a discussion about where you are and where you want to go.

You can prepare as much or as little as you’d like.

We’re not going to jump into projections or recommendations just yet — I have no idea if I can even help you yet. I won’t give you any prescriptions without first getting to know your situation.

We’ll just have a conversation and get to know each other to start. We’re here when you’re ready.

Get the conversation started