About You:

You’ve done all the right things.

You’ve served our community with a caring heart.

You’ve lived below your means, saved diligently, and made smart decisions.

You’ve followed the rules, and paid your taxes. You’ve raised kids as well as you know how, sacrificing your time and money for them.

And now you’re so ready to move onto the next phase, it ain’t even funny. Because now it’s your turn. This is your time.

Time to travel. Time to be with the grandkids. Time to enjoy your money.

And in order to do all of that, you need predictability. You’d like to relax a bit, so you’d prefer not to have any surprises with your retirement income.

Above all, you want to make sure you (and your spouse) will be ok over the long-term — it’s really that simple.

So you want to make smart investment decisions. You want to manage your risks and avoid costly mistakes.

You want to coordinate your income streams with a holistic plan to maximize your income.

You want legal ways to lower your tax bill. Because you’re okay with paying what you owe — but no more, no less.

And even with all of the uncertainty in the world right now, you want a sense of control over your financial future. You want to feel confident that you’re making the right moves.

Because you didn’t come this far just to let your life’s work go to waste.

I hear you. I know what you’re looking for and I’m here to help you get it.

If you’re a pre-retiree trying to make critical decisions about your retirement income plan, I’ve already done the heavy lifting for you.

I’ve done the research. I’ve put in the time to be in a position to help you get what you want.

You just need to decide you’re ready to work with an expert.

You need to decide you’re ready to have a retirement consultant who can help guide you with a comprehensive strategy.

But to tell you the truth, we’re not the right financial advocate for everyone.

Our specialization is different (healthcare professionals and educators in Texas). Our planning is different (holistic). Our investment strategies are different (evidence-based).

And we flip the script on what ‘wealth preservation’ really means for your retirement income plan. While most advisors are talking about principal protection as you near retirement, we’re going far beyond that framing.

Because over a 30-year retirement, fluctuations in the stock market aren’t your enemy - inflation is your real enemy.

If you were to listen to the talking heads on TV, you might start thinking you should be a day trader 🤦‍♂️. They’ll convince you that you should know when the next Fed meeting is or tune into the next earnings call for [insert any stock].

The clickbait online is worse — articles like the “5 hottest picks of the year” and “Why the stock market is poised to crash” are prolific.

It’s no wonder people are more anxious and confused than ever. They get plenty of advice, but they don’t actually get a prescription to fix the real problem.

And it’s going to get much worse with tools like AI writing very convincing copy.

It’s going to become harder to avoid FOMO…to not get caught up in the next shiny object…to not make a big mistake.

You need someone on your side advocating for you. Someone to rely on when things get complicated.

Because your entire financial life will essentially boil down to whether YOU outlive your money or your money outlives YOU. And the moves you make today will determine which way that goes.

We’ve got the framework to help you make sure it’s the latter.

But before we can get into any detailed prescriptions for your unique situation, we’ll need to first get to a diagnosis. We can’t do that without learning 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. Brenda is the Operations Manager of Earls Financial and she keeps things running smoothly and efficiently at our firm.

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 investing, make a career change, and it continues to remind me that I NEVER want to let that happen again.

Now pre-retirees look to us when they need help focusing on the most critical question(s) affecting their retirement:

• Am I going to be ok?

• When can I make work optional?

• What if something happens to me (or my spouse)?

• 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 TRS?

• How does the Social Security Fairness Act affect me?

• What are my healthcare options?

• What about Medicare and IRMAA?

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

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

But that’s enough about me and my family. I want to focus on whether or not you could possibly benefit from working together.

I want to help you transform the way you think about your retirement - if you’re ready. Because the way our firm approaches your real retirement income problem could drastically simplify things for you and your family.

You’ll come to understand why the stock market isn’t your enemy, why inflation IS, and what you can do to fix the “silent killer” for your retirement income plan.

You’ll find out why I believe “It’s a Wonderful Life” contains one of the most important lessons there is for your retirement income plan.

You’ll also come to realize why your general understanding of real estate will help you become a better investor. Using one simple mindset shift may help you improve your lifetime investment returns.

You’ll see why you can’t afford to find out why your current advisor (and the financial industry at large) is telling you to hide and be fearful as you approach retirement — without any context as to why that is.

In my view, advisors giving (pre)retirees this advice either aren’t focused on THE critical retirement income question, don’t know what it is, or maybe they don’t think you can handle the truth.

Your family simply can’t afford to find out which one it is.

Because if you’re not relentless about focusing on THE most critical question and HOW TO FIX IT:

…you’re like the guy who’s talking about saving money by skipping his daily latte as he drives to work in his (recently financed) Porsche…

…you’re like the gal who just can’t decide WHICH new pair of scissors she should buy for cutting the lawn…

…you’re like the coach drawing up trick plays but your team doesn’t know the basics of blocking and tackling…

In other words, you may be focusing on all the wrong things. But you don’t have to keep doing that. You can break the cycle. You can reframe your approach.

We know we can help the right pre-retirees that are ready to have relentless focus on true wealth preservation. All you have to do is get started with an Intro Coffee Meeting: click here to book.

There’s no risk or obligation to work with us. You don’t have to change the way you think about retirement after our call. You can keep doing exactly what you’re doing now if you choose to.

We’ll only work together long-term if we both feel like it’s a good fit. No pressure. No pitch. No hassle.

If you still have some questions in your mind about who we are, what we do, and how we do it, you might feel better after talking with us. You can schedule an in-person or virtual Coffee Meeting by clicking the button below. We’ll be here when you’re ready.