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John B

CFP®

Clarksville, MD

Free State Financial Planning, LLC

John Bell is a CFP®-certified financial advisor with 21 years of industry experience. He is currently the sole advisor at Free State Financial Planning, LLC, having previously worked at Charles Schwab and Ameritrade, Inc. Beyond his advisory work, he serves as a FINRA arbitrator and acts as the financial secretary and council member of St. Paul's Lutheran Church, where he manages donation tracking and budgeting. Free State Financial Planning LLC provides fee-only financial planning services to individuals, high-net-worth clients, and businesses. The firm’s guidance is based on Modern Portfolio Theory, emphasizing passive investments through low-cost ETFs and no-load mutual funds, and focuses on delivering educational resources without discretionary investment management.

General retirement planning General tax planning Passive / index investing Charitable giving tax strategies Roth conversion strategy Government Employee Technology Professional Public Service Employee Approaching retirement Gen X (Born 1965-1980) Retired Baby Boomers (Born 1946-1964) Christian Faith Based
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