wiseradvisor

Al Osgood, CFP®, MBA, CFP®
Financial Freedom LLC

Tel: 610-296-9500
5 Great Valley Parkway
Suite 210
Malvern, PA 19355

Helping You Achieve Your Life Goals and Objectives

Financial Freedom LLC | Financial Advisor in Malvern ,PA

About Financial Freedom LLC

Financial Freedom provides Fee-Only Wealth Management Services which includes comprehensive financial planning and investment management services. OUR PRIMARY OBJECTIVE IS TO HELP OUR CLIENTS ACHIEVE THEIR LIFE GOALS AND OBJECTIVES.

Unlike many planners, we are Fee-Only Financial Planners. Fee-only planners are compensated solely on the basis of fees paid by their clients and do not accept any commissions or compensation from any other sources. This form of compensation should provide you with a high-level of confidence that you are receiving objective recommendations. Additionally, when working with clients on an on-going basis, we do so utilizing a flat retainer arrangement versus any percentage of assets under management formula.

Each year we provide our clients with a Wealth Management Services performance evaluation review. We think that it is important that each client is able to evaluate the overall value that our retainer relationship adds to the achievement of their life goals and objectives.

Our business strategy is to maintain a small firm focused on developing in-depth personal relationships with a small number of client families versus a cursory relationship with hundreds of clients. The Osgoods are the firm; they do the analysis and investing; they meet with you wherever you live; you won't be turned over to someone else once you become a client.

We are seeking prospective new clients with a minimum of $1 million of investable assets. Check out our website at www.finfree.com for more information. Call us at 610-296-9500 for an initial no-obligation consultation.


General Information

Firm Start Year:   1983
No.of Employees:   2-4
Gender:   Male
Name of Broker/Dealer:   None - Independent
Name of Custodial Firm:   Fidelity Investments
States Licensed in:   Federally registered SEC advisors.
Number of Years with Current Firm:   35
Work Experience:   1981 - Present, Financial Freedom, LLC - Chairman, Founder and Chief Investment Officer 20+ years of sales and marketing at Mobil Oil Corporation
I work with the following types of clients:   Individual Investors
Advisory Services Provided:   Wealth Management, Financial Planning for Individuals


Services

Investment Types:   Stocks, Mutual Funds, Exchange Traded Funds (ETFs), Bonds, Socially Responsible Investments (SRI)
I can meet clients in the following ways:   At my office, At your home, At your office, Via Email, Video Conference, Our Offices, Via Phone


Qualifications & Memberships

Financial Organization Memberships:   National Association of Personal Financial Advisors (NAPFA), Financial Planning Association (FPA)


Firm Information

Assets Managed by Firm:   $325,000,000
Assets Managed by Advisor:   $325,000,000


Compliance

Registered Investment Advisor:   Yes
I am an acknowledged fiduciary:   Yes
Compliance Disclosures in Last 5 years:   I have a clean record
Criminal Disclosures in Last 5 years:   I have a clean record


Compensation and Fees

Fee Structure:   Fee Only
Minimum Portfolio Size for New Managed Accounts:   $1,000,000
Compensation Methods:   Flat Fee
Additional Details on Charges:   Our fees are based on an agreed-to flat retainer (quoted on an annual basis; billed quarterly in arrears; with the ability to terminate at the end of any calendar month). We believe the retainer concept does a much better job of aligning our fee structure with the services that we provide - comprehensive wealth management which includes both investment management and comprehensive financial planning. Many years ago we did charge on a percentage of assets under management but found that method translated to a more singular focus on the portfolio versus the more holistic picture of wealth management. All fees are agreed to in advance.



Faqs

  • Why should I choose you as my financial advisor? We are different than many others. We don't sign you up and turn you over to others. Our Fee-Only approach. Our detailed personalized financial plan. Our retainer relationship concept. Our annual performance review process. Our focus on helping you achieve your life goals and objectives. We encourage you to talk with references at the appropriate point in the selection process.
  • What are your qualifications? What is your education background? Licensed Certified Financial Planner practitioner (since 1983); M.B.A. degree (Marketing & Finance); 35 years of comprehensive financial planning, asset allocation, and investment management experience.
  • How do you charge for your services? Initial planning is done on an hourly basis. On-Going Wealth Management Services are charged based on an annual retainer basis. We believe the retainer approach is a much better approach than the traditional "percentage of assets under management" fee basis. We would be happy to provide an example of what an actual retainer agreement proposal looks like.
  • How are you compensated? How will I pay for your services? We are Fee-Only. We are compensated solely on the basis of fees paid by our clients and do not accept any commissions or compensation from any other sources. This form of compensation should provide you with a high-level of confidence that you are receiving objective and unbiased recommendations.
  • If you are going to manage my account, will you obtain my permission every time you buy or sell something? Yes
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Al Osgood, CFP®, MBA

Al Osgood, CFP®, MBA

CFP®

Al Sr. is a Certified Financial Planner(tm) practitioner and has been providing Fee-Only Wealth Management Services for more than 35 years. Al Sr. founded Financial Freedom in 1981 with a mission to help people with independent and objective advice. That mission has grown to helping many individuals and families accomplish their life goals and dreams with truly Fee-Only Wealth Management Services which includes both Investment Management and Comprehensive Financial Planning. Al Sr. is the Chief Investment Officer and focuses on helping clients develop and maintain well diversified appropriately asset allocated portfolios that are consistent with their risk profiles and "sleep comfort level". Al Sr. developed our SDR (same day response) program where we commit to get back to clients the same day with our world class customer service levels.

My Services

Financial Planning for Individuals

COMPREHENSIVE FINANCIAL PLANNING is a critical component of wealth management. Our comprehensive financial planning includes detailed analysis and recommendations in: retirement planning, income tax tax planning, estate planning, risk and insurances, stock options and executive compensation, college funding and charitable and family gifting. In many cases, we also help client's children as they start their financial journey.


Wealth Management

Our primary service, delivered in a truly Fee-Only manner which ensures that you the client are receiving independent objective advice. Our business model is based on the foundation that Wealth Management Services are the combination of BOTH Investment Management and Comprehensive Financial Planning. We believe that clients need both services to help achieve their life goals and dreams.


Investment Advice & Management

INVESTMENT MANAGEMENT is all about developing and maintaining a well diversified appropriately asset allocated portfolio to meet your goals and objectives. We use a strategic combination of low cost high quality stocks, mutual funds, index and exchange traded funds, bonds, and bond mutual funds to achieve a well diversified portfolio to meet your needs in each phase of life.


My Team

Al Jr. is a Certified Financial Planner(tm) practitioner and has been providing Fee-Only Wealth Management Services for 20 years. Al Jr. is responsible for the development and implementation of comprehensive financial plans. Specifically, Al Jr.'s focus areas include retirement planning, asset allocation, investment recommendations, tax planning, and the firm's overall financial analysis initiatives. Al Jr. earned a Bachelors of Science in Business Administration, Concentration in Finance from B ...more

Brian is a Certified Financial Planner(tm) professional and has played an integral role as part of Financial Freedom's Fee-Only Wealth Management services since 2011. Brian's specialties include: income tax planning, retirement planning, the development of comprehensive financial planning, leading our technology initiatives and anything and everything regarding custodian Fidelity Investments. Brian has earned a Bachelor of Science in Business, Financial Services Concentration from Wright State ...more

Office Hours

wiseradvisor-balck-li-img Sun. 7:00 AM - 9:00 PM
wiseradvisor-balck-li-img Mon. 7:00 AM - 9:00 PM
wiseradvisor-balck-li-img Tue. 7:00 AM - 9:00 PM
wiseradvisor-balck-li-img Wed. 7:00 AM - 9:00 PM
wiseradvisor-balck-li-img Thu. 7:00 AM - 9:00 PM
wiseradvisor-balck-li-img Fri. 7:00 AM - 9:00 PM
wiseradvisor-balck-li-img Sat. 7:00 AM - 9:00 PM

Communities Served

All. We operate with SDR - Same Day Response. We will always respond to you the same day.

Compensation Arrangements

Check Money Order
Bank Transfer