Rochester, NY Office

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.