Free Time Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$9,911,343
Total clients
6
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
6
Average account size
$1,651,891
About
Free Time Financial LLC provides investment management and financial planning services to individuals and high‑net‑worth clients, combining ongoing investment advice with written financial plans and project‑based engagements. The firm describes itself as fee‑only, may recommend third‑party professionals when appropriate, and does not impose a minimum account size.
The firm’s investment approach is grounded in modern portfolio theory and asset allocation, with a preference for passive vehicles such as index mutual funds and ETFs and discretionary portfolio implementation accompanied by quarterly account reviews. Financial planning covers a broad range of topics — retirement, cash‑flow and debt management, tax planning, business and estate planning — and is offered both as limited‑scope/project work and on an hourly basis.
Noteworthy distinctions for a firm in this category include the use of non‑traditional fee arrangements for an investment manager: an all‑inclusive flat fee for combined management and planning and availability of hourly planning, rather than relying on a percentage‑of‑assets fee model. The ADV also shows the firm is newly formed and reported no assets under management at filing; operational practices worth noting include a custody recommendation of Schwab, a policy against block/aggregated trading, and a practice of not voting client proxies.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
Project-Based Financial Planning fees ranging from $500 to $6,000
$300 per hour for Hourly Financial Planning services
Fee-only: All-inclusive flat fee for Comprehensive Wealth Management services ranging from $2,500 to $20,000 annually, paid quarterly in arrears; Project-Based Financial Planning fees ranging from $500 to $6,000; Hourly Financial Planning rate of $300 per hour
Main office location
Free Time Financial LLC
Orchard Park NY, United States
Number of offices
1
Most active in
Free Time Financial LLC has reported serving >5 clients in these states in the last 12 months.
New York
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:
-
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
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")