Flexible Finances
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
The firm serves individual and small business clients with one-on-one financial planning, counseling, workplace benefits analysis, budgeting and debt-management guidance, and investment recommendations. It also offers written meeting summaries and conducts seminars and workshops for groups and sponsoring institutions.
The firm emphasizes client education and financial independence, assessing risk through conversations and past behavior and recommending low-cost, liquid investments such as index funds, ETFs, government securities and cash equivalents. Rather than using percentage-of-assets fees, the adviser operates on a fee-for-service model and typically bills hourly or on a per-project basis, and it does not custody or trade client assets on a discretionary basis.
Compared with many firms in the investment-manager category, it is notable for combining fee-for-service hourly planning with sponsored educational programs and an explicit refusal of commissions, percentage-of-AUM and performance-based fees. Other distinguishing practices include use of third-party billing platforms, occasional unpaid interns who observe planning sessions for training, and a stated focus on teaching clients to make their own financial decisions.
Client services
Financial planning
Educational seminars or workshops
Expertise
Debt management
Cash flow / budgeting
Occupation focus
Founder/Business Owner
Demographic focus
FIRE (Financial Independence Retire Early)
Fee options
Per-project fees for financial planning and seminars/workshops; seminar fees vary by event and sponsor.
$250/hour for financial planning services by Rebecca Schreiber and Associates.
Fee-only: $250/hour for initial 1-hour meeting; charged by quarter hour thereafter; per-project fees also charged.
Main office location
Flexible Finances
Silver Spring MD, United States
Number of offices
1
Most active in
Flexible Finances has reported serving >5 clients in these states in the last 12 months.
Maryland
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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.
-
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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