Financial Freedom
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Financial Freedom, LLC provides fee‑only comprehensive financial planning and ongoing wealth management to individuals, families, trusts and estates, including high‑net‑worth clients. Services outlined in the brochure include investment management, retirement planning (including Monte Carlo simulation), estate and tax planning, college funding, and advice on executive compensation and stock options.
Portfolios are constructed using a strategic asset allocation approach and diversified across cash, fixed income and equities with individual securities, actively managed mutual funds, index funds and ETFs; on‑going clients typically receive a written Investment Policy Statement. The firm manages client accounts on a non‑discretionary basis—seeking client approval before making changes—and recommends custody at Fidelity Investments, which provides independent account statements and reporting.
The firm is atypical among similarly supported advisors in operating five offices while maintaining a relatively small adviser count and reporting roughly $443 million in regulatory AUM across three advisors. It also departs from common practice by using hourly and annual retainer arrangements for most new clients (retaining percentage‑of‑AUM billing only for some long‑standing clients) and by incorporating Monte Carlo and other hypothetical performance scenarios into its planning materials.
Client services
Expertise
Occupation focus
Fee options
Annual retainers ranging from $8,000 to $25,000 per year based on agreed scope and effort
1.0% to 0.25% depending on asset value (tier details not explicitly broken down in brochure)
Initial comprehensive financial planning fees at $150/hour; Special/one-time project fees at $225/hour
Annual retainer fee structure for ongoing wealth management services (generally $8,000 - $25,000/year)
Fee-only: Fee-Only Wealth Management; no commissions accepted; fees paid directly by clients
Main office
See office8044 Montgomery Road, Suite 700
Cincinnati OH 45236
Advisors at this office
1
Offices (3)
Most active in
Florida · Maine · New Hampshire · New York · Ohio · Pennsylvania
Also doing business as
Financial Freedom · Financial Freedom Ohio, LLC · Financial Freedom, LLC · Osgood, Allen Agle
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.
Advisors at this firm
Allen O
CFP®
Cincinnati, OH
Financial Freedom
Allen Osgood is a CFP® professional with 22 years of experience, currently serving at Financial Freedom, LLC since 1993. He is based in Cincinnati, OH. Financial Freedom, LLC is a fee-only wealth management firm providing comprehensive financial planning and investment management to individuals, families, trusts, estates, small businesses, and charitable organizations. The firm serves both high-net-worth and non-HNW clients, managing approximately $407.1 million in assets across about 115 client households, and emphasizes individualized investment strategies and fee-only arrangements.
Allen O
CFP®, Series 65
Malvern, PA
Financial Freedom
Allen Osgood is a CFP® and Series 65 credentialed advisor with 24 years of industry experience. He has been with Financial Freedom, LLC since 1983. Financial Freedom, LLC is a fee-only wealth management firm serving individuals, families, trusts, estates, small businesses, and charitable organizations. The firm offers customized financial planning and investment management, focusing on tailored Investment Policy Statements and strategic asset allocation using individual securities, mutual funds, and ETFs.
Andrew F
CFP®, CFA®, Series 63, Series 65
Rochester, NY
Financial Freedom
Andrew Federico III is a CFP® and CFA® with 21 years of industry experience. He is currently an advisor at Financial Freedom, where he has worked since 2026. His prior experience includes roles at Cambridge Investment Research, Lion Street Financial, Madison Advisory Services, Madison Planning Group, and Royal Alliance Associates. Financial Freedom, LLC provides fee-only comprehensive financial planning and ongoing wealth management to individuals, families, trusts, and estates, including high-net-worth clients. The firm uses a strategic asset allocation approach with diversified portfolios and manages accounts on a non-discretionary basis, incorporating Monte Carlo simulations and tailoring fee structures for new clients.
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