Financial Freedom provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Financial Freedom reports 114 clients. They include 96 high-net-worth individuals and 18 individual clients. Of its assets, 0.0% ($0 across 0 accounts) are managed with discretion; $443M across 783 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 16% | 2% |
| High-net-worth individuals | 84% | 98% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 18 | $9.36M | 2.1% | $520K |
| High-net-worth individuals | 96 | $434M | 97.9% | $4.52M |
| Total | 114 | $443M | 100% | $3.89M |
- Clients
- 18
- Regulatory AUM
- $9.36M
- AUM share
- 2.1%
- Avg. per client
- $520K
- Clients
- 96
- Regulatory AUM
- $434M
- AUM share
- 97.9%
- Avg. per client
- $4.52M
Total
- Clients
- 114
- Regulatory AUM
- $443M
- AUM share
- 100%
- Avg. per client
- $3.89M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Financial Freedom is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 4 other services, listed under fee details.
Fee details and sources
Other fees
- Annual retainer for on-going wealth management
- Annual retainer based on $150 per planner hour, jointly agreed in advance; generally $8,000 to $25,000 a year.
- Initial comprehensive financial planning
- Billed at $150 per planner hour, usually 20-30 hours ($3,000 to $4,500), with a 50% retainer.
- Percentage of assets fee
- Long-term clients who began on this method, or who request it, pay 1.0% to 0.25% of assets under management depending on asset value.
- Special or one-time project planning
- Subject-specific planning is billed at $225 per hour, with a 50% retainer.
Allen Osgood owns 75% or more of Financial Freedom. The leadership team of Financial Freedom includes President Allen Osgood. It has 4 employees, 3 of them in advisory roles.
Leadership
Allen OsgoodPresident & Chief Compliance Officer
Allen OsgoodChairman and Founder
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 4 employees
- 3 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Financial Freedom, LLC
Allen Osgood
Control person · since October 2004
Financial Freedom’s regulatory assets grew from $323M (March 2021) to $443M (March 2026); clients rose from 99 to 114 and employees from 3 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $443M | 114 | 4 | 5 |
| March 2025 | $407M | 114 | 3 | 5 |
| March 2024 | $392M | 115 | 3 | 5 |
| March 2023 | $309M | 110 | 3 | 5 |
| March 2022 | $347M | 101 | 3 | 5 |
| March 2021 | $323M | 99 | 3 | 5 |
Besides its headquarters, Financial Freedom has 4 offices, with 5 listed addresses across 4 states.
Ohio · 2 listed addresses
- 8044 Montgomery Road, Suite 700, CincinnatiHQ
- 70 Birch Alley, Beavercreek
Florida · 1 listed address
- 6151 Lake Osprey Drive, Sarasota
Maine · 1 listed address
- 408 U.S. Route One, York
Pennsylvania · 1 listed address
- 5 Great Valley Parkway, Malvern
Other business names
Financial Freedom has reported 1 other business name to the SEC.
- Financial Freedom Ohio, LLC
Contact and registration details
- Legal name
- Financial Freedom, LLC
- Headquarters
- 8044 Montgomery Road, Suite 700, Cincinnati, OH 45236
- Website
- finfree.com
- Phone
- 513-697-6400
- SEC file
- 801-63647
- Founded
- 1981
- Structure
- Pennsylvania LLC
- Fiscal year end
- December
Financial Freedom uses Fidelity ($443M) as custodian for its separately managed accounts. Financial Freedom does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $443M100%
At year end, Financial Freedom’s separately managed accounts were largely in stocks (40%) and bonds (28%). Its reported 13F holdings for the quarter ended 30 June 2026 total $218M across 107 positions; the largest are Invesco Qqq TR (8.0%), Vanguard Scottsdale Fds (7.1%) and Vanguard World FD (6.3%).
What the accounts hold
- Stocks40%
- Funds21%
- Bonds28%
- U.S. government and agency bonds19%
- Investment grade corporate bonds9%
- Cash11%
Reported 13F holdings
- $218M
- Reported 13F value
- 107
- Positions
- 44.5%
- In the 10 largest
- +8.5%
- Value vs. prior quarter
- Invesco Qqq TR · Unit Ser 18.0%
- Vanguard Scottsdale Fds · Int-term Corp.7.1%
- Vanguard World FD · Inf Tech ETF6.3%
- Vaneck ETF Trust · Semiconductr ETF5.6%
- Vanguard World FD · Consum Dis ETF3.3%
- iShares TR · U.S. Tech ETF3.0%
- iShares TR · MSCI Intl Moment3.0%
- Select Sector SPDR TR · ST Str Energ ETF2.9%
- Select Sector SPDR TR · ST Str Care ETF2.6%
- Procter &gamble CO2.6%
Together, the ten largest are 44.5% of reported value.
How many clients does Financial Freedom have?
Financial Freedom has 114 clients and manages $443 million for them, as of March 2026. They include 96 high-net-worth individuals and 18 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 13 March 2026
What services does Financial Freedom offer?
Financial Freedom provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Financial Freedom use?
Financial Freedom’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $443M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 March 2026
How many financial advisors does Financial Freedom have?
Financial Freedom has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Financial Freedom invest in?
At the end of its last fiscal year, Financial Freedom’s separately managed accounts held 40% exchange-traded equities, 21% registered funds (mutual funds, ETFs, BDCs), 19% U.S. government and agency bonds, 11% cash and equivalents and 9% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Financial Freedom?
Financial Freedom’s direct owner is Allen Osgood (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 13 March 2026
How does Financial Freedom get paid?
Financial Freedom is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Financial Freedom?
Financial Freedom’s main office is at 8044 Montgomery Road, Suite 700, Cincinnati, OH 45236. Its phone number is 513-697-6400. Its website is finfree.com.