# Free State Financial Planning

Free State Financial Planning is an Asset Manager based in Highland, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Highland, United States
- **Region:** North America
- **Address:** Lawrence, KS, United States
- **Assets under management:** Undisclosed
- **Website:** freestatefinancialplanning.com
- **LinkedIn:** https://www.linkedin.com/company/johnbellcfp

## Regulatory record

- **CRD number:** 330089
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/330089

## About

Free State Financial Planning provides advice-only financial planning for Maryland families, including retirement readiness, tax-saving opportunities, estate and legacy planning, charitable giving strategies, and portfolio analysis. The firm uses flat-fee pricing with no commissions or referral fees. It is led by a Columbia, Maryland Certified Financial Planner who acts as a fiduciary.

## Sectors

- Retirement planning for Maryland families

## People

- Joshua B. Bradley — Owner

## 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.

### 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.

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Last updated: 2026-08-11T15:06:49.768Z

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