Our Ideal Clients
The Families, Business Owners, and Athletes We Are Built to Serve
Freedom goes far beyond a date circled on the calendar: it is the point where your money supports your life instead of controlling it, your business can operate without depending on you every day, and your family has the stability to weather whatever comes next while your legacy continues taking shape over time.
Real freedom is built intentionally, through consistent planning, smart decisions, and a long-term strategy designed to support the life you actually want to live. At Freedom Wealth Planning, we work with individuals and families who take that responsibility seriously, including established families who want their financial plan to reflect everything they’ve built, business owners preparing for what comes next, and professional and NIL athletes navigating a limited earning window where every financial decision matters.
Fiduciary Commitment, Always
CFP, CPWA, CEPA, CPFA Credentialed Team
Independently Owned, National Horsepower
Selective Partnership Model
The Question Behind Every Plan We Build
Before we talk about portfolios, tax strategy, or exit planning, we ask one question: what is the gap between where you are today and the life you want to live on your own terms?
You cannot make meaningful progress until you understand exactly what stands between where you are today and where you want to be.
The exit planning industry calls these the Three Gaps: the Profit Gap, the Value Gap, and the Wealth Gap. They come from the work of Christopher Snider and the Exit Planning Institute, and they are the most honest diagnostic framework we have found for any client, regardless of whether they own a business.
The Three Gaps, Explained
The Profit Gap
The profit you are leaving on the table by not operating at a best-in-class level. This applies to business owners.
The Value Gap
The enterprise value you are sacrificing because the business is not yet structured to be bought. This also applies to business owners.
The Wealth Gap
The distance between your net worth today and what you need to live the life you want without a paycheck, making it relevant to everyone.
Established families generally face one gap: the Wealth Gap. Business owners often face all three at once, while professional and NIL athletes deal with a compressed, inverted version of the same challenge, balancing high income, a short earning window, and a long life still ahead of them. The concept stays the same, but the timeline becomes far less forgiving.
Who Do You Identify With?
Established Families and Individuals
You've built wealth over 25 to 35 years, and now you want a coordinated plan that finally connects every piece. You're closing the Wealth Gap.
Business Owners
Your company is your largest asset. So is your responsibility to protect what it's worth. You're closing the Profit Gap, the Value Gap, and the Wealth Gap, all at once.
Professional and NIL Athletes
Your earning window is short and the stakes are generational. You need to build real wealth in a compressed timeline, with a fiduciary team in your corner.
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Established Families Closing the Wealth Gap
Who You Are
You’ve spent the last twenty-five to thirty-five years building a life, a career, and a future for the people depending on you. Along the way, you raised a family, earned the promotions, grown the practice, paid down the mortgage, and remained committed through seasons that tested you more than most people realize.
These days, the questions feel different. You’re less focused on constant growth and more focused on understanding what everything you’ve built is truly for, how it supports the life you want moving forward, and what “enough” actually looks like.
Somewhere along the way, you accumulated a 401(k), a rollover IRA or two, a taxable brokerage account, life insurance purchased years ago, a home that has quietly appreciated, and a collection of financial pieces that may no longer feel fully connected. What’s often missing is someone willing to step back, look at the full picture honestly, and tell you whether the plan is truly working together the way it should.
The Gap You Are Closing
Your gap is the Wealth Gap: the distance between the assets you have today and what you need to fund the life you intend to live on your terms, without a paycheck, and without wondering whether you made the right choices along the way.
Most families have never calculated this number precisely because they have a vague sense of it. They have read the articles and used the online calculators, but they have not sat with a fiduciary team, stress-tested the assumptions, and walked out with an actual answer.
Closing the Wealth Gap is not about more aggressive investing, it is about integration. Making sure your portfolio, your tax strategy, your withdrawal plan, your estate documents, your insurance coverage, and your income sources are all working in the same direction at the same time. That is what panoramic planning actually means.
What the Freedom FORMula Delivers for You
We organize your financial life around the seven planning areas that make up the Freedom FORMula: investment management, risk management, tax strategy, income planning, estate planning, philanthropic giving, and insurance solutions. For established families, that looks like this:
- A complete Wealth Gap analysis: the actual dollar figure between today and your work-optional life, pressure-tested across different scenarios.
- A tax-efficient withdrawal and Social Security claiming strategy, so you keep more of what you've built and avoid giving the government an unnecessary bonus.
- An estate and legacy plan - coordinated with an attorney - which passes wealth to the next generation without creating dependence, conflict, or a tax bill that could have been avoided.
- Risk reduction across your entire balance sheet: not just investment risk, but healthcare risk, longevity risk, liability risk, and the everyday events that can undo decades of work in a single year.
- A personal CFO relationship: one team coordinating with your CPA, your attorney, and your insurance specialists, so nothing falls through the cracks and you stop playing middleman between professionals who otherwise would not be talking to each other.
You did not build this overnight, and protecting it for the next generation deserves the same level of intention and care that went into building it in the first place.
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Business Owners Closing All Three Gaps
Who You Are
You built your company, started it on a laptop at your kitchen table, or you bought it from a founder, or you inherited it from someone who built it before you. Whatever the origin story, it is now worth something, and that changes everything about how your financial life has to be managed.
You are in your late forties, fifties, or early sixties, you are not tired of the work; you might actually love it. But you are smart enough to know that someday, by choice or by circumstance, you will walk out the door for the last time, and you have started to wonder whether you are actually ready for what happens next.
The hard truth is that many business owners spend decades maximizing income, only to realize later that income and enterprise value are not the same thing. By the time that gap becomes clear, the distance between what they have and what they truly need is often larger than expected, while the runway to close it feels much shorter than they anticipated.
We've Been Where You Are
Jared grew up working alongside his family at Osage Bluff Marina and Resort on Truman Lake, where he learned early that running a business is as much about the decisions you make under pressure as the ones you plan for in advance. In 2017, he made the same leap many of his clients face: leaving an established institution to build something independently, navigating the financial, operational, and structural decisions that come with founding and growing a practice from the ground up. That experience shapes how he thinks about your business, your exit, and what financial independence actually looks like for an owner.
The Gaps You Are Closing
Business owners are the only clients we serve who face all three gaps at once:
The Profit Gap
The difference between your company’s actual profit and what a best-in-class operator in your industry would generate at your level of sales. For most owners, this gap runs six or seven figures annually. More importantly, closing it is not just about profitability; it directly raises enterprise value, because buyers use a multiple of earnings to determine what the business is worth.
The Value Gap
The difference between your company’s current enterprise value and the best-in-class value at your level of sales. For many owners, the Value Gap is far larger than expected, largely because enterprise value is influenced by much more than revenue or profit alone; it is ultimately driven by the Four Cs:
- Human Capital: the strength and depth of your leadership team, beyond the owner.
- Structural Capital: the documented processes, systems, and operating rhythm that make the business run.
- Customer Capital: the diversification, contract quality, and loyalty of your revenue base.
- Social Capital: the culture that holds it all together when you are no longer in the building every day.
Every dollar you invest in building the Four Cs compounds into transferable enterprise value. Also, every C you ignore is a discount the eventual buyer will apply.
The Wealth Gap
The distance between your personal net worth outside the business and what you need to live your post-transition life on your terms, and this is the gap that matters most, because it is the one that cannot be answered simply by selling the business, so you need it to be closed independently of that transaction.
The Five Risks Nobody Plans For
Exit planning also means preparing for the exits you did not choose. In fact, the Exit Planning Institute calls them the Five Ds, and roughly half of all business exits are involuntary, driven by one of these events.
- Death: What happens to the business, your family, your loans, and your employees the day after? Research shows that in the years following an owner's death, revenue and firm performance tend to decline significantly.
- Disability: If you cannot work tomorrow, does anyone have the authority, the passwords, the documentation, and the insurance to keep the business running?
- Divorce: How are your shares valued in a divorce proceeding? Do you have the right agreements in place? Will the cash flow demands of a settlement destabilize the company?
- Disagreement: Partnerships rarely prepare for conflict, so a well-drafted buy-sell agreement with a funded valuation mechanism can be the difference between a clean separation and years of litigation.
- Distress: Pandemics, supply chain shocks, a key employee departure, a data breach. Distress events happen, and contingency planning is not pessimism. It is stewardship.
A contingency letter, a playbook that sits alongside your operating agreement and estate documents, is one of the most valuable things you will ever sign, and we help you build one.
What the Freedom FORMula Delivers for Business Owners
Our founder, Jared Reynolds, is a Certified Exit Planning Advisor (CEPA), which means the Value Acceleration Methodology is the operating system we use to help owners build toward a transition that actually delivers the life they planned for.
- A full Three Gaps assessment: Profit, Value, and Wealth, measured in actual dollars.
- A business readiness and personal readiness assessment, because a transition only works if both the company and the owner are prepared.
- Value acceleration initiatives: a prioritized list of the specific projects that close your Value Gap fastest, typically across the Four Cs.
- Contingency planning for the Five Ds, including buy-sell review, key-person insurance review, contingency letter, and coordination with your attorney.
- A tax-optimized transition strategy, structured well in advance of any sale, so that when the liquidity event happens, the plan is already in place.
- A personal wealth plan that runs parallel to the business, so your financial freedom is not held hostage to a single future transaction.
“Work the business like you are going to own it forever, plan the business like you are going to sell it tomorrow: that is the posture of a free owner.”
Most owners wait longer than they should. According to research from the Exit Planning Institute, the strongest outcomes tend to come when planning starts three to five years before a transition. But even for owners getting a later start, taking action today is still far better than waiting another year.
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Professional and NIL Athletes Closing the Compressed Wealth Gap
A Different Kind of Gap
Most people spend forty years building wealth and a few decades spending it down, but a professional athlete does it backwards. The earning window is short, often five to ten years at the top, and the financial decisions made during that window will either compound quietly for the rest of their lives or become a cautionary story they would rather not tell.
The statistics on what happens to athletes after their careers end are a matter of public record, and they are not kind. As you may know, the industry has historically served athletes poorly, focused on commissions, product placement, and extraction, but we are not that.
This section is written in two parts: one for athletes, one for the families who support them. Both matter, because both are us.
For the Athlete
Who You Are
Maybe you’re a college athlete navigating your first NIL deal, or a recently drafted rookie looking at a contract number that still doesn’t feel real, or maybe you’re already a few years into your career, earning more in a season than most people will make in a decade, and starting to question who you can genuinely trust to help protect it.
None of this happened by accident. You got here through discipline, consistency, and years of commitment in the weight room, the film room, and the recovery room. And those same principles matter financially, too, especially when the right team is in place to help you protect what you’ve built and prepare for what comes next.
The Gap You Are Closing
Your Wealth Gap is enormous, and it’s compressed into a much shorter timeline than most people realize. That means you need to build enough wealth outside the sport, often within just a few years, to support the rest of your life. And as a result, the financial decisions made during the next five to ten years carry a level of weight most people spread across an entire career.
What the Freedom FORMula Delivers for You
- A fiduciary gatekeeper model: we do not sell products, we do not earn commissions, and we are legally required to put your interests first.
- A compressed-timeline wealth plan built for a career that may last five years instead of forty-five, with income that arrives in concentrated amounts and has to stretch across decades.
- Multi-state tax coordination, because you are earning in jurisdictions most of your friends have never heard of, and the jock tax is real.
- A filter for the noise: a team that runs interference when investment pitches, friends with ideas, and family members with opportunities show up at your door.
- Education, not lectures. We teach you what you own, why you own it, and how it works, so you are never in the dark about your own money.
- Post-career preparation, so that the day the career ends, your financial life does not.
For the Family of an Athlete
Who You Are
You are the parent, the sibling, the guardian, or the partner of an athlete, and of course you are proud of them. But you are also a little scared of what the money is about to do to your family’s dynamics, because you have heard the stories, and you want this to be different.
You want to protect them. You want them to have a real advisor, not a salesman. You want someone in the room who will tell them the truth and who has no financial incentive to do otherwise.
How the Freedom FORMula Supports You
- A structured family conversation, so expectations, roles, and boundaries are clear before the money arrives, not after.
- A documented financial plan that the athlete owns, that the family understands, and that the advisor is accountable to.
- Coordination with the agent, the CPA, the attorney, and the trust officer, so nothing slips through the cracks between professionals who would not otherwise be talking to each other.
- Education for the athlete and for the family, because financial literacy in the inner circle is one of the strongest predictors of whether the wealth lasts.
- A trusted third party for the hard conversations: the investment opportunity from the uncle, the business idea from the high school friend, the loan request from the cousin.
Our partnership with the University of Missouri athletics program and our active presence in the NIL landscape mean we understand this ecosystem from the inside. We work with athletes, their families, and their representatives under the same standard we apply to every client: fiduciary, honest, and built around your interests.
The athletes who win the money game do it the same way they won on the field: with coaches, with discipline, and with a plan that does not depend on luck.
Beyond the Numbers: The Qualities Our Ideal Clients Share
We are not all things to all people, and that’s intentional. While net worth and business size can serve as useful filters, they are rarely what determines whether a client relationship truly works long-term. The individuals and families we serve best tend to share a specific set of values, priorities, and qualities that align with the way we plan, communicate, and serve.
Our Ideal Clients:
- Value relationships built on mutual trust, transparency, and long-term collaboration. Not transactions.
- Believe professional guidance is an investment, not an expense, and respect the expertise on the other side of the table.
- Communicate openly, ask good questions, and do not hide from uncomfortable facts.
- Take responsibility for their own decisions while staying coachable about how those decisions are made.
- Operate with intention. They are building something, leaving something, or protecting something, and they know which one.
- Treat their family, their team, and the people who serve them with respect.
- Believe freedom is earned, stewarded, and passed on, and that the plan matters as much as the work.
If you see yourself in that list, you are closer to being an ideal client than almost anyone who walks through our door.
Who We Are Probably Not Right For
Selectivity is not arrogance, it is honesty. If we take on a client we cannot serve well, we have wasted their time and ours. If these characteristics describe your situation, we may not be the best fit for you.
You are looking for the cheapest option.
Our fees reflect the depth of the work, and if price is the primary filter, a robo-advisor or a discount brokerage will serve you well, and we mean that without judgment.
In the spirit of full transparency, here is how our fees are structured. We offer two engagement options: Private Wealth Planning, starting at $4,000, for clients who want strategic guidance across all areas of their financial life without a portfolio management commitment; and Investment Advisory Services, which require an asset minimum of $250,000, for clients focused on professional portfolio management. Clients with $350,000 or more in managed assets receive full Private Wealth Planning included at no additional cost.
Engagement Options
Private Wealth Planning
One-Time Flat Fee Starting at $4,000
Ideal For: Clients seeking strategic guidance without commitment to portfolio management.
- Financial guidance across all seven areas of the Freedom FORMula
- Collaboration with your CPA, network of our strategic partners, attorney, and other professional advisors
- Unlimited access to the Freedom Wealth Via (phone, email, and meetings)
- Strategy implementation assistance and recommended action items
- Regular and as-needed Freedom Wealth Plan updates to reflect life changes
- Secure online access to your personalized Freedom Portal, where your financial dashboard is updated daily
Investment Advisory Services
Asset Minimum = $250,000
Ideal For: Clients who want professional portfolio management.
- Risk assessment and tailored portfolio allocation
- Active monitoring and rebalancing
- Secure online access to view current account holdings and performance
- Recurring portfolio review meetings at minimum once per year
- Transparent advisory costs
You want someone to trade your account and stay out of your life.
If the relationship you want is quarterly statements and nothing else, we are not the firm. Instead, we build ongoing, integrated, high-touch relationships, and that model simply does not work when one side wants distance.
You are not willing to be honest about your situation.
Our process begins with radical transparency. We have to see the whole picture, the debts, the skeletons, the disagreements, the regrets, to build a plan that actually works, and if the full picture is not on the table, the plan is built on incomplete information.
You want to be told what you want to hear.
Radical honesty and extreme accountability are two of our firm’s core values, not just marketing phrases. We will tell you when the plan is off-track, and we will tell you when a decision you want to make is a mistake. If you need an advisor who will say yes to everything, we are genuinely not the right fit.
What Working With Us Looks Like
Engage in Our Freedom Process
Every client relationship at Freedom Wealth Planning runs through the same coordinated framework: the Freedom FORMula. It's not a one-time plan. It's an ongoing operating system for your financial life, and it's built around the seven integrated areas of planning that determine whether you reach and sustain the life you want. The process is structured, transparent, and built around your specific targets. So we work with you through three phases: Discover, Design, and Deploy, each with clear deliverables and shared accountability on both sides.
Meeting Types
FIT Meeting
DURATION: 1 hour | One to one
A no-obligation introductory conversation to determine if Freedom Wealth Planning is the right fit for you. We will introduce you to the firm and our proprietary Freedom FORMula, a seven-point wealth planning process, discuss your current financial situation, and answer any questions you have. By the end of our time together, we will both have a clear sense of whether it makes sense to move forward into the Discover phase.
Discovery Meeting
DURATION: 1 hour | One to one
The Discover phase of the Freedom FORMula. We will review the information you have shared with us, explore your priorities, values, and long-term vision in depth, and work through any questions that have come up as we have built out your profile in our planning software. This conversation lays the foundation for a plan that reflects who you are and what you actually want.
Freedom Plan Presentation
DURATION: 1 hour 30 mins | One to one
The Design phase of the Freedom FORMula. We will walk you through the scenarios we have built across all seven planning areas: investments, risk, tax, income, estate, insurance, and protection. We will show you the options, trade-offs, and recommendations aligned with your priorities. You will leave with a clear view of the strategies available to fund your targets and missions.
Client Strategy Meeting
DURATION: 1 hour | One to one
The Deploy phase of the Freedom FORMula in action. For new clients, this meeting kicks off implementation of the scenarios you have chosen from your Freedom Plan, coordinating execution across your selected strategies and aligning with your CPA and attorney as needed. For existing clients, it is our ongoing checkpoint to monitor progress toward your targets and missions, adjust for life changes, market conditions, and evolving priorities, and proactively identify opportunities to enhance your plan. Either way, it is the heart of our long-term partnership.
Ongoing Support
The plan is the beginning, not the destination. Once you're a client, our team provides ongoing coordination, proactive communication, and regular reviews to make sure the plan stays aligned with your life as it changes. You're not left to interpret quarterly statements on your own. Also, you're not waiting for your advisor to remember your name. You have a team that knows your situation, knows your targets, and reaches out before you have to ask.
How We Both Decide: The FIT Process
The first step is a conversation, and it goes both directions. At the same time you are evaluating whether we can deliver what you need, we are also evaluating whether we can genuinely add value to your situation, because neither side benefits from a forced fit.
Step 1: The FIT Meeting (Intro)
The first step is to request a meeting, so we can sit down, in person, over video, or on the phone, and ask a few questions. From there, you share what you have built, what you are worried about, and what the word freedom actually means to you. Throughout the process, we listen more than we talk, because this is not a sales pitch.
Step 2: Discover
After the initial conversation, our team assesses whether we can meaningfully help by looking at the complexity of your situation, the quality of the fit, and whether our expertise aligns with what you actually need. And if we are not the right firm, we will tell you honestly.
Step 3: Design and Deploy
If both sides feel the fit is right, we move into the Freedom FORMula: Discover, Design, Deploy, and begin building the panoramic plan that closes your gap. If the fit is not right, that is fine too. A short, honest conversation is worth more than a long, costly relationship that was never going to work.
Common Questions About Working With Us
Do I need a million dollars to work with Freedom Wealth Planning?
Not necessarily. While most of our clients have $1 million or more in investable assets, we evaluate FIT based on the full picture: your financial complexity, your willingness to engage in the process, and whether our expertise aligns with your situation. If you’re a business owner with significant enterprise value or a professional athlete with compressed earning years, the investable asset threshold may look different. Schedule a FIT Meeting.
What does CEPA mean, and why does it matter?
CEPA stands for Certified Exit Planning Advisor, a credential issued by the Exit Planning Institute, which means that the advisor has been trained in the Value Acceleration Methodology, the framework used by the top exit planning professionals in the country. Jared Reynolds and Gina Tedesco hold the CEPA designation, and for business owners, it means your advisors speak the same language as the people who buy, value, and structure business transitions.
What does fiduciary actually mean?
It means we are legally required to put your interests first, not the firm’s or a product company’s. The fiduciary standard also represents a higher level of responsibility than the suitability standard that governs much of the financial services industry, and every advisor at Freedom Wealth Planning is held to it. Because of that, we do not earn commissions or receive compensation for recommending specific products. You can learn more about the fiduciary standard from the CFP Board.
How is Freedom Wealth Planning different from other financial advisors?
Three things set us apart. First, we’re selective. We limit our client roster so we can deliver panoramic wealth planning that covers your entire financial ecosystem, not just your investment portfolio. Second, we’re independently owned but operate on a national platform through NewEdge Advisors, giving us institutional resources with a local, personal touch. Third, our Freedom FORMula process creates a structured path from discovery to deployment to operational oversight, so nothing falls through the cracks.
Where do you work with clients?
Our offices are in Columbia, Missouri and Sarasota, Florida. We serve clients across the United States through a combination of in-person, video, and phone meetings. Geography has never limited the depth of a client relationship, and many of the clients we serve split time between multiple states.
I already have a financial advisor. Should I switch?
That depends. If your current advisor is proactive, coordinates your full financial picture, and communicates consistently, you may be in good hands. But if you feel like you’re getting a generic experience, if your advisor doesn’t know the details of your situation, or if you’re making major decisions without clear guidance, it might be worth exploring what a deeper relationship looks like. Our FIT Meeting is no-obligation and completely confidential.
Ready to Find Out If We're a FIT?
Freedom is built deliberately through consistent decisions, intentional planning, and years of disciplined execution. It rarely happens by accident, and it almost never happens without a plan.
The first step is simply a conversation, without a pitch or pressure, just an honest discussion about what you have built, where you want to go, and whether Freedom Wealth Planning is the right partner for the next chapter.
Either way, you should leave that conversation with greater clarity, and in many cases, that alone makes the time worthwhile.
Prefer to call? (573) 875-3939
Columbia, Missouri Office: Monday-Thursday 8:30am -4:30pm CST. Friday 8:30am – 3pm CST.
Sarasota, Florida Office: Monday-Thursday 8:30am -4:30pm EST. Friday 8:30am – 3pm EST.
Clients served nationwide
Advisory services offered through NewEdge Advisors, LLC, a registered investment adviser.