Earls Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Earls Financial provides wealth management and comprehensive financial planning to individuals, high-net-worth clients, charitable organizations, and businesses. The firm manages approximately $24 million across a client base of about 40 households and also offers limited-scope, project-based financial planning engagements.
The firm’s investment process emphasizes asset allocation guided by Modern Portfolio Theory and a blend of passive and active strategies, with discretionary management available where agreed. It integrates ongoing planning — covering business planning, retirement and estate planning, employee benefits optimization, and tax-aware investment decisions — and will monitor fee-based annuity positions when those products are part of a client’s plan (including annuities held at Jackson National).
Compared with many peers, Earls Financial highlights a focus on business-owner needs and exit planning: the firm’s principal holds CFP® and CEPA credentials and provides consulting for business transitions and owner-specific planning. The firm operates on a fee-only basis, works with a modest number of clients to provide coordinated advice with clients’ attorneys and tax professionals, and offers project-based engagements in addition to ongoing advisory relationships.
Client services
Expertise
Occupation focus
Fee options
Project-Based Financial Planning fees range from $500 to $25,000 depending on scope and complexity
$0 - $249,999: $1,000 flat annual fee for fee-based annuities held at Jackson National $250,000 - $499,999: $2,000 flat annual fee for fee-based annuities held at Jackson National $500,000+: $4,000 flat annual fee for fee-based annuities held at Jackson National
Account minimum: $500,000 (may be waived at discretion of Earls Financial) Fee-only: Wealth Management Services: 0.99% annually; Project-Based Financial Planning: fixed fee $500-$25,000
Main office
Lindale TX
Advisors at this office
1
Most active in
Texas
Also doing business as
Earls Financial · Earls Financial LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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