About You:

You’ve done well for yourself.

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

You’ve followed the rules, and paid your fair share in 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 chapter, 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.

You’d like to relax a bit. You’d prefer not to have any surprises with your retirement income.

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 also want legal ways to minimize your tax bill.

And 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’m here to help you get what you want.

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 a retirement income planner who can save you time, money and/or stress as you start to enjoy the next chapter.

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

We serve pre-retirees and retirees in Texas — good folks who have worked hard to build $1M+ portfolios who want tax-efficient, evidence-based, time-tested retirement income strategies.

We don’t take on everyone who meets that minimum initial criteria/every business relationship we come across.

Our 100-household Ark is headed toward the Promised Land and we’re running out of room. Once it’s full, it’s full.

And that’s great news for our clients! They’ll continue to receive the attention they deserve, personalized recommendations, and customized investment advice for their unique situation.

Here’s what we’re doing for them:

It really works well for our clients and allows them to focus on other things like family, traveling, and staying healthy.

We may be able to do something similar for you.

But before we could get into specifics of what we’d do for you or any detailed prescriptions for your unique situation, we’d need to first get to a diagnosis. And 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 and retirees look to us when they need help focusing on the most critical questions affecting their retirement:

• How much money do I need to retire?

• When can I retire/make work optional?

• 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 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. I want to focus on what you need and if we may be able to help.

I want to help you transform the way you think about your retirement - if you’re ready.

I want to help you implement evidence-based wealth preservation strategies that even Warren Buffet would be proud of (i.e. like when he said the stock market is a wonderfully efficient mechanism for transferring wealth from the impatient to the patient).

All you have to do is get started with an Intro Coffee Meeting: click here to book.

There’s no risk to our coffee meeting or obligation to work together long-term. And that goes for both of us, by the way.

We’ll only keep going 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.