# Financial Freedom

> Financial Freedom is an SEC-registered investment advisory firm in Cincinnati, OH, registered since 2005, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 13, 2026.

- CRD: 118772
- Filed as: FINANCIAL FREEDOM
- Legal name: Financial Freedom, LLC
- Also doing business as: FINANCIAL FREEDOM OHIO, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Cincinnati, OH
- Filing period: October 2026
- Form ADV filing dated: March 13, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/118772
- AdvisorCensus page: https://advisorcensus.com/firm/financial-freedom-cincinnati-oh-118772

## Quick answers

**How is Financial Freedom compensated?**
On its Form ADV (Item 5.E, October 2026), Financial Freedom reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Financial Freedom charge?**
Its Form ADV Part 2A brochure dated March 13, 2026 states: Asset-based fee: 0.25% to 1% a year (a range, as the brochure states it); Hourly rate: $150 an hour (Initial comprehensive financial planning fees); Subscription: $8,000 to $25,000 a year (Annual retainer / Flat Fee Arrangement); Hourly rate: $225 an hour (financial planning advice on a subject-by-subject basis). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Financial Freedom located?**
Financial Freedom's principal office is in Cincinnati, OH, according to its Form ADV; the April 2026 filing also lists 4 other offices (Schedule D, Section 1.F).

**Is Financial Freedom registered with the SEC or a state?**
Financial Freedom is an SEC-registered investment advisory firm, registered since 2005. Status as filed: Approved. CRD 118772.

**How much does Financial Freedom manage?**
Financial Freedom reports $443,203,000 in regulatory assets under management in its Form ADV filing dated March 13, 2026 (0% discretionary).

**How have Financial Freedom's assets and staff changed since 2021?**
In the Form ADV data for Financial Freedom: Regulatory assets under management: $322,859,000 in the October 2021 data and $443,203,000 in the October 2026 data, up 37%. Total employees: 3 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Financial Freedom serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (96); individuals (other than high net worth individuals) (18).

**Which custodians does Financial Freedom use?**
Financial Freedom's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Fidelity Brokerage Services LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Financial Freedom report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/118772

**Does Financial Freedom state an account minimum?**
Its Form ADV Part 2A brochure dated March 13, 2026 says: "We do not impose a set minimum dollar value of assets or other condition for opening or maintaining an account."

**What changed in Financial Freedom's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 2 to 3. Registered or notice-filed in NY.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 13, 2026)

- Asset-based fee: 0.25% to 1% a year (a range, as the brochure states it)

> Percentage of assets under management fees range from 1.0% to 0.25% depending on the value of assets under management.

- Account minimum: None

> We do not impose a set minimum dollar value of assets or other condition for opening or maintaining an account.

- Hourly rate: $150 an hour (Initial comprehensive financial planning fees)

> Initial comprehensive financial planning fees are based on an hourly fee basis of $150 per planner hour.

- Subscription: $8,000 to $25,000 a year (Annual retainer / Flat Fee Arrangement)

> Annual retainers generally range from $8,000 - $25,000 per year depending on the needs of each client.

- Hourly rate: $225 an hour (financial planning advice on a subject-by-subject basis)

> In this case, fees charged would be hourly based at $225 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Fidelity Brokerage Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $443,203,000
- Discretionary: $0
- Non-discretionary: $443,203,000

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 18 | $9,360,700 |
| High net worth individuals | 96 | $433,842,300 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2005 (21 years)
- Employees: 4 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, ME, NH, NY, OH, PA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Beavercreek, OH
- Malvern, PA
- Sarasota, FL
- York, ME

### Websites listed on Form ADV (Item 1.I)
- finfree.com
- finfreeohio.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $322,859,000 | 3 | March 23, 2021 |
| October 2022 | $347,478,000 | 3 | March 5, 2022 |
| October 2023 | $309,162,000 | 3 | March 27, 2023 |
| October 2024 | $391,584,000 | 3 | March 11, 2024 |
| October 2025 | $407,111,000 | 3 | March 21, 2025 |
| October 2026 | $443,203,000 | 4 | March 13, 2026 |

Regulatory assets under management: $322,859,000 in the October 2021 data and $443,203,000 in the October 2026 data, up 37%.
Total employees: 3 in October 2021 and 4 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 2 to 3.
- Registered or notice-filed in NY.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial Freedom (CRD 118772): Form ADV filing data as of October 2026.