Financial Freedom

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Client assets under management

$443,203,000

Clients

114

84% high-net worth

Advisors

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$3,887,746

About

Financial Freedom, LLC provides fee‑only comprehensive financial planning and ongoing wealth management to individuals, families, trusts and estates, including high‑net‑worth clients. Services outlined in the brochure include investment management, retirement planning (including Monte Carlo simulation), estate and tax planning, college funding, and advice on executive compensation and stock options.

Portfolios are constructed using a strategic asset allocation approach and diversified across cash, fixed income and equities with individual securities, actively managed mutual funds, index funds and ETFs; on‑going clients typically receive a written Investment Policy Statement. The firm manages client accounts on a non‑discretionary basis—seeking client approval before making changes—and recommends custody at Fidelity Investments, which provides independent account statements and reporting.

The firm is atypical among similarly supported advisors in operating five offices while maintaining a relatively small adviser count and reporting roughly $443 million in regulatory AUM across three advisors. It also departs from common practice by using hourly and annual retainer arrangements for most new clients (retaining percentage‑of‑AUM billing only for some long‑standing clients) and by incorporating Monte Carlo and other hypothetical performance scenarios into its planning materials.

Client services

Financial planning Portfolio management

Expertise

College savings (529s, UTMA, etc.)

Occupation focus

Executive Founder/Business Owner

Fee options

Fixed

Annual retainers ranging from $8,000 to $25,000 per year based on agreed scope and effort

Percentage

1.0% to 0.25% depending on asset value (tier details not explicitly broken down in brochure)

Project-based

Initial comprehensive financial planning fees at $150/hour; Special/one-time project fees at $225/hour

Subscriptions

Annual retainer fee structure for ongoing wealth management services (generally $8,000 - $25,000/year)

Other

Fee-only: Fee-Only Wealth Management; no commissions accepted; fees paid directly by clients

Main office location

Financial Freedom

8044 Montgomery Road, Suite 700

Cincinnati OH 45236, United States

Number of offices

Most active in

Florida · Maine · New Hampshire · New York · Ohio · Pennsylvania

Disclosures

Business activities & affiliations

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.

Bank

They're affiliated with a bank that may offer its own financial products and services.

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.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

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

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 513-697-6400

Advisors at this firm

Allen O

CFP®

Cincinnati, OH

Financial Freedom

Allen Osgood is a CFP® professional with 22 years of experience, currently serving at Financial Freedom, LLC since 1993. He is based in Cincinnati, OH. Financial Freedom, LLC is a fee-only wealth management firm providing comprehensive financial planning and investment management to individuals, families, trusts, estates, small businesses, and charitable organizations. The firm serves both high-net-worth and non-HNW clients, managing approximately $407.1 million in assets across about 115 client households, and emphasizes individualized investment strategies and fee-only arrangements.

College savings (529s, UTMA, etc.) Executive Founder/Business Owner

Allen O

CFP®, Series 65

Malvern, PA

Financial Freedom

Allen Osgood is a CFP® and Series 65 credentialed advisor with 24 years of industry experience. He has been with Financial Freedom, LLC since 1983. Financial Freedom, LLC is a fee-only wealth management firm serving individuals, families, trusts, estates, small businesses, and charitable organizations. The firm offers customized financial planning and investment management, focusing on tailored Investment Policy Statements and strategic asset allocation using individual securities, mutual funds, and ETFs.

College savings (529s, UTMA, etc.) Executive Founder/Business Owner

Andrew F

CFP®, CFA®, Series 63, Series 65

Rochester, NY

Financial Freedom

Andrew Federico is a CFP® and CFA® with nine years of industry experience. He is currently with Financial Freedom and has held prior roles at Cambridge Investment Research, Lion Street Financial, Madison Advisory Services, Madison Planning Group, and Royal Alliance Associates. Federico is an owner and partner of Madison Planning Group, where he has maintained an ongoing business involvement. Financial Freedom, LLC is a fee-only wealth management firm serving individuals, families, trusts, estates, small businesses, and charitable organizations. The firm offers customized financial planning and investment management with a focus on tailored Investment Policy Statements and strategic asset allocation using individual securities, mutual funds, and ETFs.

College savings (529s, UTMA, etc.) Executive Founder/Business Owner

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