Freedom Financial Management, Inc.

Freedom Financial Management, Inc provides fee-only holistic financial planning and investment management primarily to individual clients and families, offering services that include comprehensive financial planning, retirement and estate planning, investment selection, and tax planning and preparation. The firm delivers services through Full Retainer, Project Retainer, Financial Review and Custom Project engagements and discloses that it does not sell insurance or accept commissions.

The firm’s investment work is generally non-discretionary: recommendations are built around clients’ tax situations, risk tolerance, and personal goals, and trades are executed only with client approval. Recommended investments typically include exchange-traded funds, no-load mutual funds, U.S. government bonds, REITs and cash equivalents, and the firm explicitly integrates tax considerations into portfolio analysis and planning.

Compared with many peers, the firm’s combination of financial planning and standalone tax preparation — supported by an owner with tax credentials — is atypical for supported advisers and reflects an accounting-oriented approach to client service. It also differs from most peers by operating primarily on a non-discretionary basis and by routinely recommending (and generally requiring) clients to establish accounts with major custodians such as Charles Schwab or Fidelity.