Free Time Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$9,911,343
Clients
6
0% high-net-worth
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
6
LowAverage account size
$1,651,891
About
The firm provides investment management and financial planning to individuals, with its client base concentrated among high‑net‑worth clients and a very small number of advisory relationships. Services include comprehensive wealth management that combines discretionary portfolio oversight with ongoing financial planning, plus project‑based and hourly planning engagements.
Its investment approach emphasizes asset allocation informed by modern portfolio theory and the use of passive investment vehicles such as index mutual funds and ETFs to implement client strategies. Accounts are typically managed on a discretionary basis and tailored to clients’ goals and restrictions; the firm does not aggregate or block trades across multiple client accounts.
Compared with many independent advisers, the firm does not charge percentage‑of‑assets fees and instead uses flat, all‑inclusive and project/hourly billing arrangements while remaining fee‑only and not accepting commissions. Its operational profile is notable for a very small, high‑asset client roster and reliance on custodial statements for performance and holdings reporting rather than separate firm‑issued performance reports.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Business ownership considerations
General estate planning guidance
Fee options
Project-Based Financial Planning fees range from $500 to $6,000 depending on complexity and scope
Hourly Financial Planning rate is $300 per hour
Minimum fee: Annual flat fee ranges from $2,500 to $20,000, paid quarterly in arrears based on account balance Fee-only: Comprehensive Wealth Management services charged as an all-inclusive flat fee; Financial Planning services charged hourly or project-based
Main office location
Free Time Financial LLC
Orchard Park NY, United States
Number of offices
1
Most active in
Free Time Financial LLC has reported serving >5 clients in these states in the last 12 months.
New York
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.
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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.
-
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.
Forms ADV
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