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Free State Financial Planning
Free State Financial Planning is a fee-only RIA in Lawrence, KS, run by Joshua B. Bradley, serving individual clients without product sales.
Free State Financial Planning
Free State Financial Planning operates as a Kansas-registered investment advisor, with Joshua B. Bradley listed as the sole proprietor and investment adviser representative in SEC filings. The firm is anchored in the Kansas City-Lawrence corridor and serves individual clients under a fee-only model. This structure means revenue comes exclusively from client-paid advisory fees, not commissions on financial products — a legal and commercial distinction from broker-dealer affiliated planning practices. The firm's service mix combines comprehensive financial planning with discretionary portfolio management. Public filings indicate advisory services cover retirement accumulation, tax-efficient distribution strategies, and general wealth management for households. The practice does not appear to participate in private-market deals, pooled private funds, or institutional separate accounts. Its investment posture is retail-oriented, typically deploying client capital into publicly traded securities — mutual funds and exchange-traded funds — aligned with individual risk tolerances and planning goals. The practice serves clients across Kansas and neighboring states under notice-filing reciprocity. Bradley is the firm's visible principal, and filings do not disclose additional partners, institutional backing, or a broader team structure. The firm does not publish performance track records or audited composites, which is typical of a sole-proprietor RIA that manages assets on a customized-portfolio basis. There is no disclosed affiliation with asset managers, family offices, or alternative investment platforms. The business appears structured as a personal practice, with client assets custodied at one or more qualified custodians as required by the Investment Advisers Act. Free State Financial Planning's structural differentiator is its fiduciary-only, solo-proprietor posture in a market where many planning firms are either multi-advisor RIAs, broker-dealer hybrids, or insurance-affiliated practices. The firm does not sell annuities or permanent life insurance as planning solutions. While this architecture limits scale, it aligns the advice engine directly with client interests — a governance feature that distinguishes fee-only planning shops from the larger commission-based advisory industry.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Lawrence
Corporate office
Lawrence, KS, United States
Principals
Joshua B. Bradley
Owner
Frequently asked questions
Who makes investment decisions at Free State Financial Planning?
Joshua B. Bradley is the sole investment adviser representative and owner. All portfolio decisions are made by him, with no investment committee or external sub-advisors disclosed in public filings. Client assets are managed on a discretionary basis, meaning Bradley can execute portfolio changes without prior client approval.
Is Free State Financial Planning a fiduciary, and what does that mean for clients?
Yes, as a registered investment advisor, the firm has a legal fiduciary duty to act in its clients' best interests. This is distinct from broker-dealers who operate under a suitability standard. The firm's fee-only structure reinforces this — it does not accept commissions, trailing fees, or revenue-sharing from product providers that could bias recommendations.
Does Free State Financial Planning participate in private market or alternative investments?
No. Based on its regulatory filings, the firm's investment management is limited to publicly traded securities — primarily mutual funds and exchange-traded funds. There is no indication of direct co-investments, private fund commitments, hedge fund allocations, or venture capital exposure. The practice is retail-focused, not institutional.
How is Free State Financial Planning compensated?
The firm operates on a fee-only basis, with compensation derived entirely from client-paid advisory fees. Fees are typically charged as a percentage of assets under management. The firm does not receive commissions, referral fees, or revenue-sharing payments from product providers, which eliminates a common conflict of interest in financial advice.
How is Free State Financial Planning related to any larger financial institution or family office?
There is no disclosed relationship. The firm is a sole proprietorship with no parent company, holding company, or controlling entity apparent in Kansas Secretary of State records or SEC filings. It is not a multi-family office platform, does not belong to a roll-up or aggregator, and has no disclosed joint ventures with other advisory practices.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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