About

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 controlling the things we can control, avoiding costly, irreversible mistakes, and working to preserve long-term wealth.

‍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 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/are we going to be ok?

• How can we protect what we’ve built?

• 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 kinds of 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. 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.