About Us:
At Earls Financial, we believe simple principles, long-term thinking, and intentional decisions — applied consistently over time — tend to lead to better outcomes.
That philosophy shapes how we serve retirees and business owners who are looking for more than just a money manager.
Consistency compounds over time. Simplicity often beats complexity. A coordinated tax, estate, risk, investment, and retirement strategy doesn’t have to be complicated to be effective.
And because many of the same principles can be applied to health and fitness, I (Ben) can’t help but to share things along the way that have helped me personally and professionally.
And we’re not perfect at this — we’re only human. Brenda and I aren’t wise gurus with perfect fitness preparing to run our next marathon (in fact, the Chamber of Commerce 5K is kind of intimidating to us).
But we do try to “walk the walk” and “eat our own cooking” when it comes to time-tested, evidence-based health and wealth principles. Eat real, quality foods. Buy quality investments with a long-term view. Spend quality time with the ones you love.
It may sound strange to some that I talk about health at all — I get it. But Brenda and I believe wealth without vitality is a huge blind spot as folks move into their next chapter.
That's why our planning process focuses on helping clients preserve not only what they've built financially, but also the freedom and energy to enjoy it.
We don’t claim to cure diseases or anything like that. We simply believe part of the point of having money is to be able to fully enjoy the life you’ve worked so hard to build.
So, if you’re looking for thoughtful retirement and exit planning advice designed to support freedom, vitality, and a meaningful life for years to come, we can help. We welcome the opportunity to discuss whether we may be a good fit for you and your family.
Ben Earls CFP®, CEPA®
Ben is a Certified Financial Planner® Professional and a Certified Exit Planning Advisor®. He has been helping families make smarter financial decisions since 2018. 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. Scroll down to read more about why Ben made a career change or go here to see how Brenda saved his life.
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. 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 Lindale, Texas. We also have meeting space in Fort Worth and work with clients virtually all over the country.
Here’s how we help pre-retirees, retirees, and business owners:
It’s really that simple. We help by reducing the complexity and uncertainty with simple retirement planning principles.
And it really works well for our clients.
It’s all about getting more intentional, avoiding costly, irreversible mistakes, and working to preserve long-term health and wealth.
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’m 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 financial decisions she faced.
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. Questions like:
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?