Learn your retirement date!
Financial freedom could be just one click away…

Let’s calculate your retirement (or financial independence/FIRE) date and build the roadmap to make it happen!

We’re different – very different! Our inexpensive, ethical, fee-only fiduciary investment advisor/retirement planning company was formed to help those who need to make up for lost time in preparing for retirement, their children’s education, and other life goals. We do that by:

Keeping our fees (and the fees for funds you’re invested in) ultra low, so that every possible dollar goes toward your investment growth.
Keep your investments simple and easy to understand – you may want to take the wheel at some point, and avoid advisor fees altogether.
Ensure that your investments are in line with your own personal risk tolerance, income needs, and timeline, so you can sleep well!
Not casting folks aside because they don’t have $500,000 or $1,000,000 to get started.

We are veteran-owned! See the common questions/answers on this page, our FAQ page, and our Rates page for further detail. We look forward to working with you!

Are you looking for strategic debt repayment help first? Head to Money Coach Group, Inc!

Answers to a few questions

We’ll answer your most common questions below. For any we don’t address, head to our FAQ page or use the fields at the bottom of this page to reach out.

What's with the name?

Emancipare is Italian/Latin/Spanish, meaning to emancipate, liberate, or free (it’s also a spell to release bindings in the Harry Potter series). It’s pronounced Ee-mon-chip-ar-ee, but you can say it however you like. It aligns nicely with our goal – to free everyday folks from financial stress, from jobs they don’t like, and to be free and enjoy the one life we’re given.

What does fee-only fiduciary mean?

Fee-only means that we don’t receive money from commissions, or loads, or other places. We only work for you and aren’t affected by the bias that those other sources of income can bring (such as behind-the-scenes payments to advisors from the funds they recommend to clients). Be careful! Similar terms such as “fee-based” or “fee-offset” aren’t the same, and mean there could be hidden biases and sources of income. Fiduciary means that we’re obligated by law to always put your interests first.

What are your creds?

Our credentials are below. Take note, we’re coming from a place of true altruism – helping people out of dire financial circumstances, and then to build wealth. So, we started out with the areas of study, experience, and credentials in those areas. It means we can guide you from zero to hero, from dire to aspire, from down in the dumps to a maybe a deluxe apartment in the sky!

Licensed/Registered Investment Advisor Representative
AFCPE® Accredited Financial Counselor®
Ramsey Master Financial Coach
Ramsey Preferred Financial Coach

Also, be aware that folks who aren’t actual licensed and registered financial advisors may have titles that “sound” like they are – investment counselor, coach, associate, etc. But really they’re not state or SEC vetted and registered. They’re insurance salespeople. They’ll to sell you things that “sound” like investments, but are actually very expensive, complex, and risky insurance products like deferred/variable/indexed annuities, QLACs, whole/universal/indexed/variable life insurance, and so forth. A real investment advisor is required to provide you with their Form ADV, which is approved by the federal Securities and Exchange Commission and/or state regulators.

If you're so smart, why aren't you retired?

Actually, I’m financially independent, and don’t need to work. I get up every day and live life on my own terms – doing things I love and enjoy. That’s what ‘retirement’ should be like for everyone, and my strongest desire to make it happen for you, whether you’re in your 40s, 50s, 60s or beyond. Everyone should spend every day on their own terms, doing things they enjoy. Imagine that utopia! We are granted but one short life, as far as we know. For me, this is what I love – helping people achieve financial freedom and independence – setting them free, emancipation – Emancipare!

Where are you located?

We’re based in Nazareth, PA, USA and available for in-person meetings in the Lehigh Valley area. We’re also available throughout the United States via video conferencing, telephone, text, and email.

How can you be so inexpensive?

We practice financial discipline, carrying no debt and very little overhead. We have no fancy offices or expensive vehicles for you to help pay for. We align ourselves with partners who have a similar altruistic strategy, and use the latest technology to streamline our operations.

How much does it cost?

Don’t you hate it when businesses are evasive about their fees? We aren’t! Cost is dependent on the type of services you may need. In addition to investment planning and management services, we offer workshops and hourly rates for special projects. See our Rates page for details.

How does this work?

It’s just a few simple steps to your financial goals!

1. Receive and review the ADV informational form for 48 hours.
2. Fill out the short ‘hello’ questionnaire.
3. We meet to do a fun risk tolerance exercise.
4. Sign the digital agreement, if you decide to work with us.
5. Receive and pay the invoice for your requested plan.
6. Fill out the main financial questionnaire or provide the info we need.
7. Set up the awesome app and your portal.
8. We create the plan and review it together.
9. We meet quarterly (or any time you need us) to review results. If we’re managing your investments, you get a free annual update!

What's the catch?

The catch is that we’re a small firm and we pride ourselves in personal, white-glove, concierge type attention to our clients. We always answer your calls, emails, texts promptly, even on nights and weekends. We can only take on so many clients before we start a waiting list and you get left out, so join us today!

The Emancipare Difference

We are an inexpensive, ethical, honest, fee-only fiduciary financial advisory. Please review the table below that compares us to typical advisors. See our Services and Rates page for more details, and to get started.

Emancipare	Others
No minimum investment amount	$100,000 to $500,000 minimum
Fee-only, fiduciary	Commissions? Loads?
$499 investing plan	$1,950 investing plan
$699 retirement plan	$2,250 retirement plan
$999 comprehensive financial plan	$2,500 comprehensive financial plan
.04% to .5% asset management fee	1% to 1.5% asset management fee
$99 hourly fee	$250+ hourly fee
Simple, understandable, passive investing	Complex investing, many funds
Education as a priority	No client education
Fewer clients, quick response	Large client rosters
Simple, flat-rate asset management fees	Tiered, expensive asset management fees
Awesome client portal/custodian (click the link!)	Stodgy, expensive, old-school client portal/custodian
Sources: Kitces Fee Trends, Kitces Report 2021

Our Partners and Platform

Our partners are carefully chosen to match our core values – secure, easy to use, inexpensive, honest, ethical, fun, high-tech!

Altruist is our low-fee custodian/trading platform/client investment portal. Track your investment progress, see your holdings, make deposits and withdrawals, and see transaction history in the beautiful app or webpage.

Riskalyze is our fun, visual tool for gauging your individual risk tolerance – a step most advisors skip or just fudge! Sleep well at night with investments that align with your personality and goals.

Pralana Retirement Calculator – the tool that ties all the moving pieces together into a cohesive plan!

Areas of Expertise

Below are just a few of the areas that we commonly help with. See our Services and Rates page for more details, and to get started.

Investing

We offer an inexpensive investment plan, customized just for you, your circumstances, and your goals. We also offer ongoing investment guidance at extremely low cost – because we want you to reach those goals as quickly as possible, and be able to sleep well at night.

Financial Planning

We offer a comprehensive financial plan for all phases of your life. Examples are near-term (debt payoff), mid-term (new home, child education), or longer term (comfortable retirement).

Debt Help

The path to financial success starts with avoiding debt and interest costs. Attack the debt, then invest!

Retirement

Whether you’re planning an early retirement, FIRE lifestyle, traditional retirement, or already in retirement, let’s get your plan dialed in.

Mortgage Advice

If you’re looking for your first home, or refinancing your existing home, or have questions pertaining to an investment or vacation home, we’ll walk through the options with you.

General Advice

None of the above suit your needs? Consult with us at our low hourly rate for other financial needs or questions.

Our goal is for you to reach your goals. This is our mission and our ministry. We keep our client list small so that we can give everyone the attention they need and deserve. Let’s get started!