About
For most of your life I’m sure you’ve been told a familiar story about aging. Work until 65. Retire. Take Medicare and Social Security. Slow down. Travel while you still can. Downsize the house. Spend less as you get older. Prepare for declining health.
But that’s not the future you’ve been working toward.
You’re planning the next chapter differently. You want to stay strong, capable, and independent as you age.
You’re questioning conventional wisdom about health and nutrition, and you’re investing time and money into properly fueling and maintaining your body.
Like George Jones, you don’t need no rockin’ chair. You’re not going to become useless and waste away.
You’re planning to live well. And you want a plan to make sure money isn’t the limiting factor in your future, either.
If that sounds like you, you’re in the right place.
We work with pre-retirees, retirees, and business owners just like you to help them plan for the next chapter, turn their nest egg into reliable retirement income, become more tax efficient, worry less about the stock market, and have peace of mind that they’re on the right track.
Relatively recently we’ve pivoted to working more with carnivores and ketovores. The reason is that my wife changed my life. And it changed the way I want to show up in the world.
You can read about how it happened here.
The long and short of it is that I was headed down the path of chronic disease with the standard American diet.
As I’ve changed my diet to a low-carb/low-sugar approach, I’m starting to see improvements. I have more energy. I have less brain fog. I have less mood swings. My body is changing. I’m stronger.
I’m still a work in progress, but the ship is turning. And it has changed the way I think about aging.
I want to help likeminded carnivores and ketovores become more intentional with their time, attention, and capital as they age, too.
I want to help them plan financially for a different healthspan. For different assumptions. For a different life than a conventional retirement.
I believe my clients deserve a clear-headed, less emotional, healthy advisor. And I want to work with clients that have the same mindset.
We’re making huge decisions when we work together. The stakes are pretty high. So, I don’t want us to be on a sugar (and emotional) roller coaster while we’re deciding things.
I’m not perfect (just ask Brenda), and I don’t expect anyone else to be. But I’m getting better at what I do — personally and professionally. And my decisions are compounding with time.
So, how do we help our clients? Honestly, we’re applying a lot of the same principles that you might apply to your health and nutrition.
Simple. Consistent. Less ingredients.
We reduce complexity and uncertainty and use simple, evidence-based concepts for long-term results. We control the things we can control and work to avoid costly, irreversible mistakes.
It really works well for our clients.
But before we could get into any detailed prescriptions for your unique situation, we’ll need to learn a bit more 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 make smart retirement income decisions, so they 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.
Now retirees and business owners look to us when they need help focusing on the most critical questions affecting their financial lives. Questions like:
Am I going to be ok?
How can I protect what I’ve built?
When can I make work optional?
How much can I spend in retirement?
How can I plan for a longer healthspan?
Which investments are right for me?
Will my spouse be well taken care of when I’m gone?
And many more
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. Let’s focus on what you need and if we may be able to help.
All you have to do is get started with an Intro Call: click here to book. You’ll be taken to our Calendly page where you can pick the most convenient time for you.
We’ll be here when you’re ready.
Ben Earls CFP®, CEPA®
Ben is a Certified Financial Planner® Professional and a Certified Exit Planning Advisor®. He has been helping families make smart 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.
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’s a superstar when it comes to executing a plan with precision and efficiency, so the firm relies heavily on her to help everyone stay on track. If you call in or email us, Brenda will most likely be the one helping you get things done.
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 remotely all over the country.
