J
Jim Earl Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,012,184
Clients
26
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
26
TypicalAverage account size
$38,930
About
Jim Earl Financial is an independent, state‑registered advisory firm that provides discretionary portfolio management and financial planning primarily for individuals and employee groups. As of March 30, 2026 the firm manages 26 discretionary accounts totaling about $1.01 million, and offers retirement and tax planning, budgeting, risk‑management advice, and written financial plans including college‑funding guidance.
The firm implements client strategies primarily through mutual funds and third‑party managed fund platforms, using Orion Portfolio Solutions and Aspire Financial to access vetted investment strategists. Recommendations are informed by an initial risk‑tolerance questionnaire, ongoing quantitative and qualitative due diligence on strategists, and quarterly portfolio reviews with the ability to rebalance under discretionary authority; clients may also request restrictions such as socially responsible screens.
What is atypical for a solo independent adviser is the firm’s active insurance and ancillary business: it is licensed to sell commission insurance products, markets those products through multiple insurance marketing agencies, and commonly recommends fixed and fixed‑index annuities that generate commissions. The firm also works with employee groups (including school‑district employees through the Aspire platform) and offers college planning services, reflecting a mix of retail and non‑retail client relationships and revenue sources not common among similarly sized single‑advisor firms.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
General retirement planning
General tax planning
Life insurance needs analysis
Annuities
College savings (529s, UTMA, etc.)
Fee options
Fixed fees for written financial plans ranging from $100 to $1000 based on complexity
$1.00 - $100,000: 1.25% $101,000+: 1.00%
Commissions earned from selling insurance products, including fixed and fixed-index annuities with compensation ranging from 1% to 8% of assets invested
Hourly financial planning fee of $200 per hour
Minimum fee: Annual maintenance fees of $25 to $55 per account, or $100 to $155 per household Fee-only: Financial planning fixed fees ranging from $100 to $1000; hourly financial planning fee of $200 per hour
Main office location
Jim Earl Financial
1700 East Market St, Suite 110
Warren OH 44483, United States
Number of offices
2
Most active in
Jim Earl Financial has reported serving >5 clients in these states in the last 12 months.
Ohio
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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