Financial Independence, LLC

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Client assets under management

$285,758,620

Clients

278

31% high-net worth

Advisors

of 7 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

High

Average account size

$1,027,909

About

Financial Independence, LLC serves individual and high‑net‑worth clients as well as retirement plans, offering modular financial planning and a wealth management program called the Financial Independence BEST Life Planning Program. The firm provides advisory services through the AssetMark Platform and also offers pension consulting and participant education and asset‑allocation models for plan sponsors.

The firm does not directly manage client portfolios; instead it selects and recommends portfolio strategists on the AssetMark Platform and monitors those strategists’ performance and styles. Its stated investment philosophy emphasizes behavioral coaching, manager diversification, and a mix of tactical and strategic approaches, with recommendations typically focused on mutual funds and ETFs.

What is distinctive is that, according to the brochure, all reported assets—$288,104,032 as of December 2025—are managed on a non‑discretionary basis, and the firm does not take independent discretionary authority over client accounts. The firm also discloses activities that can create conflicts of interest—licensed advisors who may earn insurance commissions and participation in AssetMark’s advisor benefits and marketing support programs—while noting its ERISA fiduciary role when providing non‑discretionary pension advice.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

Retirement income strategy Retirement plans for business owners (SEP, solo 401k) General retirement planning

Occupation focus

Retired Founder/Business Owner

Fee options

Fixed

Fixed annual fee for financial planning services, ranges $1,200 to $6,000 in first year, $600 to $3,000 in subsequent years, negotiable.

Percentage

$0+: 0.50% - 1.00% (Financial Advisor fee on AssetMark Platform, negotiable) $0+: 0.25% - 0.75% (Pension Consulting fee, negotiable)

Commissions

Commission-based compensation for sale of insurance products by licensed insurance agents affiliated with the firm.

Project-based

Financial planning services offered at $250 per hour.

Other

Account minimum: $250,000 Fee-only: Financial planning fixed fees ranging from $1,200 to $6,000 in the first year; $600 to $3,000 in subsequent years; fees are negotiable and transparent.

Main office location

Financial Independence, LLC

931 Jefferson Blvd., Suite 2005

Warwick RI 02886-2213, United States

Number of offices

Most active in

Connecticut · Florida · Massachusetts · New Hampshire · New York · North Carolina · Rhode Island · Texas

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

LinkedIn Website 401-681-4825

Advisors at this firm

Rick C

ChFC®, Series 66

Warwick, RI

Financial Independence, LLC

Rick Campbell is a financial advisor with Financial Independence, LLC, holding the ChFC® designation and Series 66 license. He has 23 years of industry experience, including roles at Penn Mutual Life Insurance Company, Hornor Townsend & Kent, and Cigna Financial Services. Campbell serves as a board member of the Trudea Memorial Foundation. Financial Independence, LLC offers financial planning, wealth management through its BEST Life Planning Program, and pension consulting to individuals, retirement plans, trusts, estates, and charitable organizations. The firm employs a non-discretionary investment approach focused on behavioral coaching, manager diversification, and a mix of tactical active and strategic passive strategies, primarily utilizing third-party portfolio strategists on the AssetMark platform.

Retirement income strategy Retirement plans for business owners (SEP, solo 401k) General retirement planning Retired Founder/Business Owner

Mark L

CFP®, Series 63, Series 65

Warwick, RI

Financial Independence, LLC

Mark Lavallee is a CFP® professional with 16 years of industry experience, currently serving as an advisor at Financial Independence, LLC since 2009. He holds Series 63 and Series 65 licenses and is also employed by Digital Federal Credit Union in a fixed life insurance capacity. Financial Independence, LLC offers financial planning, wealth management through its BEST Life Planning Program, and pension consulting to individuals, retirement plans, trusts, estates, and charitable organizations. The firm employs a non-discretionary investment model focused on behavioral coaching, manager diversification, and a combination of tactical active and strategic passive strategies through third-party portfolio managers on the AssetMark platform.

Retirement income strategy Retirement plans for business owners (SEP, solo 401k) General retirement planning Retired Founder/Business Owner

Kevin P

CFP®, Series 65

Warwick, RI

Financial Independence, LLC

Kevin Pierro is a CFP® and Series 65-registered advisor with Financial Independence, LLC, bringing seven years of industry experience. His background includes roles at Tiaa and Massachusetts Mutual Life Insurance, as well as work outside finance at Bryant University and Papa Gino's. Financial Independence, LLC offers financial planning, wealth management through its BEST Life Planning Program, and pension consulting services to individuals, retirement plans, trusts, estates, and charitable organizations. The firm employs a non-discretionary approach, recommending and monitoring third-party portfolio strategists on the AssetMark platform with an investment philosophy focused on behavioral coaching and a blend of tactical active and strategic passive strategies.

Retirement income strategy Retirement plans for business owners (SEP, solo 401k) General retirement planning Retired Founder/Business Owner

Mac Kenzie C

Series 63, Series 65

Warwick, RI

Financial Independence, LLC

Mac Kenzie Campbell is a financial advisor at Financial Independence, LLC with one year of industry experience. He holds Series 63 and Series 65 licenses and has prior experience with Citizens Securities, Inc., NYLIFE Securities LLC, and New York Life Insurance Company. Outside of finance, he has worked in the restaurant and fitness industries. Financial Independence, LLC provides financial planning, wealth management, and pension consulting services to individuals, retirement plans, trusts, estates, and charitable organizations. The firm uses a non-discretionary approach, recommending third-party portfolio strategists on the AssetMark platform, with an investment philosophy focused on behavioral coaching, manager diversification, and a blend of tactical active and strategic passive strategies.

Retirement income strategy Retirement plans for business owners (SEP, solo 401k) General retirement planning Retired Founder/Business Owner

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