Paul J. Coleman III

Founder / Financial Planner

CFP®, RICP®

Free Time Financial6524 East Quaker Street, Orchard Park, NY 14127

Languages: English

My Approach

- Fiduciary - Fee only, flat fee - Independent - Relationships, not transactions - Evidence-based investment philosophy All so that you can focus on enjoying your free time in retirement instead of worrying about the stock market, the resiliency of your retirement plan, and who will help you and your spouse through the entirety of your retirement.

The Clients I Serve

Retirees or Seniors

Transitioning from a lifetime of earning, living under your means, and saving... into spending from your hard-earned savings, will be one of the most difficult things you ever do. Working with an experienced professional to help you build your unique retirement plan and to understand the resiliency of that plan can help you enjoy your retirement.

Working in Retirement

If you're still working in retirement, let's make sure it's because you want to be and not because: - you're uneasy about the future of the financial markets, - you're unsure about where else to get healthcare coverage from, - you don't know what you would do if you left the job that gives you meaning and purpose. Knowledge is peace.

Major Milestones I Specialize In

Death in the Family, End of Life and Legacy Planning, Retirement Planning, Widowhood

Our 7 Steps to Financial Planning

Certified Financial Planners have a proven blueprint for success—but your planner builds it entirely around you.

Summarized from the CFP® Board's Practice Standards. cfp.net

My Process

Retirement income planning, tax strategy, and investment management for a flat annual fee. We work with successful individuals and couples nearing or in retirement that are seeking an ongoing relationship with an experienced advisor. We help people navigate all the challenges they may face in retirement with a focus on retirement income planning, disciplined low-cost investment management, and lifetime tax planning and tactical year-to-year tax strategy guidance.

Disclosures

This material is provided for informational purposes only and does not constitute investment, tax, or legal advice. It is not a recommendation or solicitation to buy or sell any security, insurance product, or investment strategy. Past performance does not guarantee future results. All investing involves risk, including the possible loss of principal. Tax and legal matters are outside the scope of this engagement; consult your attorney, accountant, and other qualified professionals before making financial decisions. Additional information about this financial professional, including registration status and disciplinary history, is available through FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure website.

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Financial Planner Certifications

Designations & Certifications

CFP®

Technical Skills

Investment and Portfolio

Tax Planning

Retirement Income and Distribution

Estate, Trust, and Legacy Planning

Charitable Giving

Compensation

This planner self-certifies that the information in this profile is accurate. Consumers should independently verify the planner’s credentials, registration, and background through CFP Board, the SEC, and FINRA BrokerCheck.

Compensation Methods

Fee Only

Fee-only means a CFP® professional may describe his or her practice as "fee-only" if, and only if, all the planner's compensation from all client work comes exclusively from clients in the form of fixed, flat, hourly, percentage, or performance-based fees.

Project-Based