Earls Financial

Earls Financial LLC provides wealth management and financial planning to individuals, high‑net‑worth clients, charitable organizations, and businesses, offering both ongoing investment management and limited‑scope, project‑based planning engagements. Its planning services cover retirement and estate planning, business planning and employee benefits optimization, cash‑flow and tax planning, and ongoing oversight of fee‑based annuities held at Jackson National.

The firm’s investment approach emphasizes asset allocation and Modern Portfolio Theory, constructing portfolios from a mix of passive and active mutual funds, ETFs, individual securities and fixed‑income instruments tailored to each client’s risk tolerance and goals. Accounts are generally managed on a discretionary basis with written client‑imposed restrictions accepted, and the firm relies on a qualified custodian’s institutional platform for trade execution, custody, and client reporting while conducting annual reviews and event‑driven account reviews.

Noteworthy aspects include that Earls Financial is a relatively new, CFP®‑led firm that has grown to manage approximately $24 million in discretionary assets across about 40 client relationships since its 2024 founding, and it uses operational arrangements such as standing letters of authorization (SLOAs) for certain third‑party distributions. The firm operates on a fee‑only basis, does not accept sales‑based compensation or vote client proxies, and discloses that it receives institutional services from its custodian that it regularly reviews for potential conflicts when recommending custodial relationships.