About

We help pre-retirees, retirees, and business owners make smarter financial decisions, create reliable retirement income, and feel more confident about the years ahead.

So, how do we help our clients? Honestly, we apply a lot of the same principles that you might apply to 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.

‍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 👋.

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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.

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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.

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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.

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Logo of CEPA with a blue shield emblem featuring a white laurel wreath and the word CEPA, and the text "Certified Exit Planning Advisor" below.
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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.

If you're wondering whether we might be a good fit, we'd enjoy getting to know you. An Intro Call is simply an opportunity to learn about your situation, answer some initial questions, and see whether working together makes sense.

We’ll be here when you’re ready.

Book an Intro Call