Earls Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$24,008,111
Total clients
40
23% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
40
Average account size
$600,203
About
Earls Financial provides wealth management and financial planning to high‑net‑worth individuals, charitable organizations, and corporations, offering discretionary investment management and limited-scope, project-based planning engagements. The firm operates on a fee‑only basis and provides ongoing monitoring and advice for fee‑based annuities held at Jackson National when such strategies are appropriate.
The firm’s investment approach is grounded in Modern Portfolio Theory and a strategic asset allocation framework, using a blend of passive and active funds to align portfolios with clients’ risk tolerances and long investment horizons. Investment decisions emphasize manager track records, underlying fund holdings, liquidity, and tax efficiency, with annual reviews and additional reviews triggered by performance or client-directed changes.
Compared with many independent peers, Earls Financial’s client mix does not include non‑high‑net‑worth individual retail clients, concentrating instead on HNW individuals, nonprofits, and businesses while managing roughly $24 million in discretionary assets for about 40 clients. The firm is newly formed and led by a CFP® professional who serves as owner and chief compliance officer, and it has implemented administrative arrangements such as Standing Letters of Authorization (SLOA) for distributions to third parties for several clients.
Client services
Financial planning
Portfolio management
Expertise
Annuities
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
Fee options
$500 fixed fee for Project-Based Financial Planning
$0 - $249,999: $1,000 flat annual fee for fee-based annuities held at Jackson National $250,000 - $499,999: $2,000 flat annual fee for fee-based annuities held at Jackson National $500,000+: $4,000 flat annual fee for fee-based annuities held at Jackson National
Fee-only: Fixed fee of $500 for Project-Based Financial Planning
Main office location
Earls Financial
Fort Worth TX, United States
Number of offices
2
Most active in
Earls Financial has reported serving >5 clients in these states in the last 12 months.
Texas
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:
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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.
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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.
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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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