Free Time Financial is a registered investment advisor located in Orchard Park, New York, founded in January 2025 by Paul Coleman. The firm offers comprehensive wealth management, which combines investment management and ongoing financial planning for a single fee. Free Time Financial also offers standalone project-based and hourly financial planning services covering topics such as retirement, business planning, cash flow, debt management, college savings, tax planning, and estate planning. The firm builds portfolios primarily using stocks, bonds, mutual funds, exchange-traded funds, government and municipal securities, and cash equivalents, adhering to Modern Portfolio Theory and passive investment strategies. Free Time Financial does not have an account minimum requirement and acts as a fiduciary legally required to act in your best interest.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | Included |
Free Time Financial charges an all-inclusive flat fee ranging from $2,500 to $20,000 annually for comprehensive wealth management, which covers both investment management and ongoing financial planning. Fees are paid quarterly in arrears and are negotiable.