Free State Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
10
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
10
LowAverage account size
$0
About
Free State Financial Planning LLC provides fee‑only financial planning services to individuals, high‑net‑worth individuals, and corporations or other businesses through engagements such as comprehensive plans, retirement‑readiness plans, DIY support, annual subscriptions, and hourly work. The firm explicitly does not offer discretionary investment management or custody; clients are responsible for implementing plan recommendations.
The firm’s investment guidance is grounded in Modern Portfolio Theory and favors passive allocations using low‑cost ETFs and no‑load mutual funds, with recommendations delivered as educational resources for self‑directed investors. Deliverables include written or electronic financial plans, an online planning portal, one month of post‑delivery support, and an option for ongoing annual planning access.
What distinguishes the firm from many peers is its fee structure and service boundary: it charges fixed, hourly, and subscription planning fees rather than percentage‑of‑AUM fees and does not manage or custody client assets. Despite its small, state‑registered practice, the firm serves business and plan‑level clients and emphasizes employee benefits and retirement planning support, and it leverages the principal’s prior senior institutional experience when advising clients who may seek outside investment managers.
Client services
Financial planning
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
General retirement planning
Fee options
$400/hour for Hourly Financial Planning and additional services beyond included hours in other plans
Fee-only: Comprehensive Financial Planning: $6,000 one-time fee; Annual Financial Planning: $3,500/year; Retirement Readiness Planning: $3,500 one-time fee; DIY Financial Planning: $1,000/year; Hourly Financial Planning: $400/hour
Main office location
Free State Financial Planning, LLC
Clarksville MD, United States
Number of offices
1
Most active in
Free State Financial Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Maryland
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
Quick links
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