Solutions Built Around Your Financial Freedom
Panoramic Wealth Planning, Exit Planning, and Athlete Guidance Under One Fiduciary Roof
Most advisors do one thing: they manage a portfolio and call it a plan. That’s fine if your financial life is simple, but if your money has to coordinate with a business, a tax return, a will, an income stream, an insurance stack, a charitable strategy, and the next generation, you need a team that sees the full picture.
Freedom Wealth Planning was built to be that team. We’re an independently owned, fiduciary wealth planning firm in Columbia, Missouri and Sarasota, Florida, and we coordinate every dimension of your financial life into one panoramic plan. The framework that makes it possible is the Freedom FORMula: seven integrated planning areas, one team, one accountable plan. This page walks you through it.
Fiduciary on Every Recommendation
CFP, CPWA, CEPA, CPFA Credentialed Team
Independently Owned, National Horsepower
Coordinated Across Investments, Tax, and Estate
Panoramic Wealth Planning: One Team, One Plan, Every Angle
Why Most Plans Have Blind Spots
Your tax situation shapes your investment strategy. Your insurance coverage shapes your estate plan. Your business interests shape your personal cash flow. Your charitable intentions shape your tax bracket. These aren’t separate conversations, they’re the same conversation, and yet most financial relationships split them across three or four professionals who almost never talk to each other.
Panoramic wealth planning is how we close that gap. One team sees the full picture and coordinates the pieces so the plan actually behaves the way you intended it to behave.
What It Actually Covers
Panoramic planning isn’t a slogan. It’s a defined scope of work, and it shows up on every client’s plan in some combination. Most established families don’t need every line of it on day one, so we sequence the work to the gaps that matter most for you, then expand from there.
Specifically, panoramic planning includes investment management calibrated to your time horizon, withdrawal needs, and risk tolerance; tax planning across the year and across decades; Social Security claiming and lifetime income strategy; estate and legacy coordination with your attorney; insurance review across life, disability, long-term care, and liability; charitable strategy structured for both impact and tax efficiency; and a working relationship with your CPA, attorney, and other professionals so the right hand actually knows what the left hand is doing.
Why Coordination Beats Optimization
An advisor who only manages investments may optimize a portfolio without ever realizing that a Roth conversion in the same year would have changed the picture. Or that selling a rental property in the wrong quarter just pushed the next two years of income into a higher bracket. When one team understands all of it, those misses are prevented. That’s the real value of panoramic planning, and it’s the work our wealth planning solutions are specifically built to do.
The Freedom FORMula: Seven Areas, One Plan
What F.O.R.M. Stands For
The Freedom FORMula is our proprietary planning framework. The “FORM” stands for the four pillars we balance in every plan: Family, Occupation, Recreation, and Money. Real life happens at the intersection of those four, so your plan has to live there too.
The Seven Integrated Planning Areas
Underneath those four pillars sit the seven planning areas that make up the Freedom FORMula. They aren’t seven separate services billed seven different ways; they are one coordinated plan. We sequence the work based on what matters most for your situation, then keep coordinating as your life changes.
Investment Advisory
A portfolio built around your time horizon, income needs, and risk tolerance. Institutional resources through NewEdge Advisors with independent objectivity. No proprietary products, no commission incentives.
Risk Management
A clear-eyed look at the risks that can undo a plan: market volatility, sequence of returns, longevity, healthcare costs, liability, and the everyday events that compound into expensive surprises.
Tax Planning
Strategy across the year and across decades. Roth conversions, asset location, charitable bunching, tax-loss harvesting, business entity structure, and coordination with your CPA so nothing gets optimized in isolation.
Lifestyle Planning
Building the paycheck that replaces the paycheck. Social Security claiming strategy, pension elections, withdrawal sequencing across accounts, and a stress-tested cash flow plan that holds up against real-life curveballs.
Estate Planning
Coordinated with your attorney, sequenced with your tax strategy, and designed to transfer wealth the way you actually intend. Trusts, beneficiary alignment, generational planning, and the documents that turn intent into action.
Philanthropic Giving
Charitable strategy that is honest about impact and honest about tax efficiency. Donor-advised funds, qualified charitable distributions, appreciated stock gifting, and the conversation about what your generosity is meant to accomplish.
Value-Added Services
Life, disability, long-term care, and liability coverage reviewed by Bill Grinde, our in-house insurance specialist. The standard isn't whether you have a policy. The standard is whether the policy still fits the life you're actually living.
Learn How the Freedom FORMula Works
The Freedom FORMula page walks through the full planning process in depth, including how we sequence the work, what each phase looks like, and what it means to have one team accountable for all seven areas of your financial life.
Solutions for Established Families and Individuals
When the Plan Has to Catch Up to the Life
You’ve spent 25 to 35 years building it. The investments, the home equity, the insurance you bought in your thirties, the rollover IRA, the taxable brokerage, the 401(k), and the pile of paper nobody has ever looked at all at once. Now the question is whether any of it is actually aligned with the life you intend to live without a paycheck.
The work we do for established families and individuals is, at its core, about closing the Wealth Gap: the distance between the assets you have today and the assets you need to fund the rest of your life on your terms.
What That Looks Like in Practice
- A complete Wealth Gap analysis, pressure-tested against healthcare, long-term care, sequence-of-returns risk, and a market that doesn’t always cooperate.
- A tax-efficient withdrawal and Social Security claiming strategy so you may keep more of what you built.
- An estate and legacy plan, coordinated with your attorney, that passes wealth without accidentally creating dependence, conflict, or an avoidable tax bill.
- Risk reduction across the full balance sheet, not just the investment portfolio.
- A personal CFO relationship: one team coordinating with your CPA, attorney, and insurance specialists so nothing slips through the cracks.
If you’ve been managing this on your own with help from a generic advisor and a stack of tabs in your browser, our FIT Meeting is the place to start.
Exit Planning: Converting Business Value Into Personal Freedom
Why Most Owners Run the Wrong Race
Most business owners spend 30 years maximizing income and discover too late that income and enterprise value aren’t the same thing. A business that pays the owner well isn’t always a business a buyer will pay well for. Closing the gap between those two numbers is the work, and the earlier the work starts, the bigger the payoff.
Our founder Jared Reynolds holds the Certified Exit Planning Advisor (CEPA) designation. That credential isn’t decoration. It means the Value Acceleration Methodology, the same operating system used by top exit planning professionals nationwide, is also the framework we use to help owners build, protect, and eventually transition enterprise value.
The Three Gaps Owners Face
Profit Gap – The difference between your company’s current profit and what a best-in-class operator in your industry would generate at your level of sales. Closing it puts cash in your pocket now and raises the ceiling on what the business is ultimately worth.
Value Gap – The difference between your enterprise value today and the best-in-class enterprise value at your level of sales. The Value Gap is usually much bigger than owners expect because value isn’t a multiple of last year’s profit. It’s a multiple of the transferable, de-risked profit that survives without you.
Wealth Gap – The distance between your personal net worth outside the business and the amount you need to live your post-transition life on your terms. Many owners discover too late that a great exit on paper can still leave the personal side short.
The Three Gaps framework is the work of Christopher Snider and the Exit Planning Institute, and it sits at the foundation of every owner engagement we run.
The Four Cs of Transferable Value
Enterprise value is built across what Christopher Snider calls the Four Cs of business value:
- 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 the revenue base.
- Social Capital: the culture that holds it together when you’re no longer in the building every day.
Every dollar you invest in the Four Cs is a dollar that compounds into transferable enterprise value. Every C you ignore is a discount the eventual buyer will apply.
The Five Risks You Didn't Plan For
Roughly half of all business exits are involuntary, driven by what the Exit Planning Institute calls the Five Ds: Death, Disability, Divorce, Disagreement, and Distress. Most owners have no contingency plan for any of them, and a will isn’t a succession plan. We help you build a contingency letter that sits alongside your operating agreement and estate documents. It’s one of the most valuable documents you’ll ever sign.
What That Looks Like in Practice
- A full Three Gaps assessment in actual dollars, not estimates.
- A business readiness and personal readiness assessment, because a transition only works when both the company and the owner are prepared.
- A prioritized list of value acceleration projects, typically organized around the Four Cs.
- Five Ds contingency planning, including buy-sell review, key-person insurance review, and the contingency letter, coordinated with your attorney.
- A tax-optimized transition strategy structured well in advance of any sale so the plan is already in place when the liquidity event happens.
- A personal wealth plan running parallel to the business so your financial freedom isn’t held hostage by a single future transaction.
The Exit Planning Institute’s research is clear: the best time to begin is three to five years before you intend to transition. The second-best time is today. If you’re inside that window, or if you simply want to understand where you actually stand, we should talk.
Financial Guidance for Professional and NIL Athletes
A Different Kind of Wealth Gap
Most Americans spend 40 years building wealth and 30 years spending it down. A professional athlete does it backwards. The earning window is short, often five to ten years at the top, and the wealth has to last for the next 60. That’s the compressed, inverted Wealth Gap, and the standard advisory playbook isn’t built to handle it.
Our experience runs from college athletes navigating their first NIL deals to Super Bowl champions protecting generational wealth. We understand the NIL landscape from the inside, the multi-state tax complexity that comes with professional contracts (the jock tax is real), and what it takes to protect earnings across sponsorships, endorsements, and advertising deals. The coaching staff around an athlete’s money should be held to the same standard of excellence as the coaching staff on the field.
For the Athlete
- A fiduciary gatekeeper model: we don’t sell products, we don’t earn commissions, and we’re legally required to put your interests first.
- A compressed-timeline wealth plan built for a career that may last five years instead of 45, with income that arrives in a lump and has to stretch across decades.
- Multi-state tax coordination, because you’re earning in jurisdictions most of your friends have never heard of.
- A “no” filter: a team that runs interference when investment pitches and friends-with-ideas show up at your door.
- Education, not lectures: we teach you what you own, why you own it, and how it works, so you’re never in the dark about your own money.
- Post-career preparation so that when the career ends, your financial life doesn’t.
For the Family of an Athlete
- A structured family conversation so expectations, roles, and boundaries are clear before the money arrives, not after.
- A documented financial plan the athlete owns, the family understands, and the advisor is accountable to.
- Coordination with the agent, the CPA, the attorney, and the trust officer so nothing slips between professionals who otherwise wouldn’t be talking.
- 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.
The Mizzou Connection
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 inner circles, and we treat all three with the honesty and care the moment deserves.
Beyond the Seven Areas: Support That Surrounds the Plan
Why These Matter
The Freedom FORMula covers the seven planning areas. These additional services support the plan itself, and they are how we coordinate with the outside professionals in your life and keep your financial picture organized between meetings.
Personal CFO Coordination
We work directly with your CPA, attorney, mortgage broker, and real estate professional so the right hand always knows what the left hand is doing. One team, accountable for the whole plan.
Business Valuation
For business owners, we use an online business valuation tool that delivers a clear, data-driven estimate of what your company is worth today. For partnership-certified businesses, we also provide a formal valuation. Knowing your true business value is the foundation for smart succession, exit, and retirement planning.
The Freedom Portal
Your full financial picture in one secure place: investment accounts, outside assets, insurance, estate documents, and shared notes between you and the team. So you are never hunting for a statement again.
Virtual Family Office
For established families and individuals who want coordinated oversight of their full financial picture, we serve as a virtual family office: one team managing investments, coordinating tax and estate work, and keeping every professional aligned around the same targets. The structure of a family office, without the overhead of building one yourself.
How We Build Your Plan: The FIT Process
Step 1: The FIT Meeting (Intro)
Every relationship starts with a conversation, and that conversation goes both directions. You’re evaluating whether we’re the right team for your situation. We’re also evaluating whether we can genuinely add value to yours. There’s no pitch and no pressure, and the meeting is confidential.
Step 2: Discover
If the FIT Meeting confirms there’s a meaningful opportunity to help, we go deeper on the full picture: investments, taxes, estate, insurance, business interests, and the planning gaps you may not have noticed yet. If we don’t think we can add real value, we’ll tell you honestly and point you somewhere that can.
Step 3: Design
We build your panoramic Freedom FORMula plan: Wealth Gap mapped, priorities ranked across all seven areas, coordinated roadmap structured. You see the whole picture before anything is deployed.
Step 4: Deploy
Plan in place, we execute. We coordinate with your CPA, attorney, and other professionals, and we put every piece in motion. One team is accountable for the operational oversight of the entire plan, so nothing falls through the cracks.
Common Questions About Our Solutions
What is panoramic wealth planning, and how is it different from a normal financial plan?
Panoramic wealth planning means one team coordinates every dimension of your financial life into a single, coherent strategy: investments, tax, estate, insurance, income, philanthropy, and business interests, all in the same conversation. A normal financial plan is usually built around the investment portfolio, with the other pieces treated as add-ons. Panoramic planning starts with the full picture and works inward, which is how we may catch the blind spots that single-issue advisors typically miss.
What is the Freedom FORMula?
The Freedom FORMula is our proprietary planning framework. F.O.R.M. stands for Family, Occupation, Recreation, and Money, the four pillars we balance in every plan. Underneath sit seven integrated planning areas: investment advisory, risk management, tax planning, income planning, estate planning, philanthropy, and insurance solutions. We sequence the work to your situation and keep coordinating as life changes. There’s a dedicated Freedom FORMula page that walks through the full process in depth.
What does CEPA mean, and why does it matter for business owners?
CEPA stands for Certified Exit Planning Advisor. It’s a credential issued by the Exit Planning Institute and signals that the advisor has been trained in the Value Acceleration Methodology used by leading exit planning professionals nationwide. Our founder, Jared Reynolds, and Gina Tedesco hold the CEPA designation. For owners, it means your advisors speak the same language as the people who buy companies, value companies, and structure transitions.
Do you only work with people in Columbia, MO?
No. Our primary offices are in Columbia, Missouri and Sarasota, Florida, and we work with clients across the United States through a combination of in-person, video, and phone meetings. Geography doesn’t limit the depth of the relationship. Our Mizzou athletics partnership also brings us athlete clients from around the country.
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 already be in good hands. If the relationship is generic, reactive, or product-driven, however, it can be worth a second look. Our FIT Meeting is no-obligation and completely confidential, and we’ll tell you honestly whether we think we can add meaningful value or not.
How do you handle taxes? You're not a CPA, right?
Correct. We don’t prepare tax returns. We do, however, build tax strategy into every plan and coordinate directly with your CPA on the items that move the needle: Roth conversions, asset location, charitable bunching, business entity choices, and transition-year planning. If you don’t already have a CPA we trust, we can also introduce you to one.
What does a fiduciary actually do differently?
A fiduciary is legally required to put your interests first, not the firm’s, not a product company’s, and not their own. Every advisor at Freedom Wealth Planning is held to that standard. We don’t sell products, our compensation doesn’t change based on what we recommend, and our advice is independent of any third-party incentive. In other words, we only do well when you do well.
Ready to See What Your Plan Should Actually Look Like?
The next step is a conversation. We’ll ask what you’ve built, what you’re worried about, and what financial freedom actually looks like for your family. We’ll be honest about whether the Freedom FORMula is the right fit for your situation. If we’re not the right team for you, we’ll say so and point you toward someone who is. Either way, you’ll leave with clarity you didn’t have when you arrived.
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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.
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Advisory services offered through NewEdge Advisors, LLC, a registered investment adviser.