A complete list of active advisors currently associated with Free State Financial Planning, LLC

Warmer can help you find a great advisor at Free State Financial Planning, LLC or one who fits your needs even better.

Free State Financial Planning LLC provides fee‑only financial planning services to individuals, high‑net‑worth individuals, and corporations or other businesses through engagements such as comprehensive plans, retirement‑readiness plans, DIY support, annual subscriptions, and hourly work. The firm explicitly does not offer discretionary investment management or custody; clients are responsible for implementing plan recommendations. The firm’s investment guidance is grounded in Modern Portfolio Theory and favors passive allocations using low‑cost ETFs and no‑load mutual funds, with recommendations delivered as educational resources for self‑directed investors. Deliverables include written or electronic financial plans, an online planning portal, one month of post‑delivery support, and an option for ongoing annual planning access. What distinguishes the firm from many peers is its fee structure and service boundary: it charges fixed, hourly, and subscription planning fees rather than percentage‑of‑AUM fees and does not manage or custody client assets. Despite its small, state‑registered practice, the firm serves business and plan‑level clients and emphasizes employee benefits and retirement planning support, and it leverages the principal’s prior senior institutional experience when advising clients who may seek outside investment managers.

To learn more about the advisors currently working at Free State Financial Planning, LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
John Bell Jr.	Clarksville, MD	22

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