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Emancipare – an inexpensive, ethical, flat-fee, fee-only fiduciary planner/investment advisor!2022-09-30T12:46:43-04:00

Welcome To

Emancipare

Your Path To Financial Freedom Begins Here…

Learn your (early/FIRE) retirement or financial independence date!

You’ll love us if…

  • You need a Total Financial Makeover (kill debt & invest)!
  • You’re in your 30s-50s and don’t want to work until you’re 65
  • You’re in your 60s and think you’ll have to work until you die
  • You’re working until 65 but want the best retirement possible
  • You want a mentor, to understand your current investments and fees
  • You want a clear, personalized, precise guide/roadmap to your financial independence or retirement date, not a rough metric

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

We currently have just 10 new client openings

We’re different – very different! We formed our inexpensive, ethical, flat-rate fee-only fiduciary investment advisor/retirement planning company to help those who want an early exit from the hamster wheel (FIRE), or need to make up for lost time in preparing for retirement, their children’s education, and other life goals.

Your choices:

  • One-time retirement/life/investing/FIRE plans – your roadmap to the rest of your financial life and goals
  • Virtual, private education/mentoring on investing, FIRE, retirement planning, and many other personal finance topics
  • Asset management – we do this cooperatively with you and mentor you
  • One-off meetings/projects for a very low hourly charge

Your benefits:

  • Keeping your 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 you aside because you 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!

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.

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.

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.

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

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. Some are 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.

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!

We’re based in Bethlehem, 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.

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.

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.

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!

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, flat-fee, 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$250,000 to $500,000 minimum
Flat-rate, Fee-only, fiduciaryComplex AUM fees? Commissions? Loads?
$747 life/retirement/FIRE plan ($249/month x 3)$2,250 retirement plan
$1,194 comprehensive financial plan ($199/month x 6)$2,500 comprehensive financial plan
$299/month asset management – stable, consistent (negotiable for those with lower assets)$$$ complex, high fees 1% of assets and up
example: $500,000 @ 1% fee = ~$417/month!!, $1m = ~$834/month!
$199 private, virtual personal finance/investing coursesThey don’t teach, it would put them out of a job!
$149 hourly fee$250+ hourly fee
Simple, understandable, passive investingComplex investing, many funds
Education as a priorityNo client education
Fewer clients, quick responseLarge client rosters
Simple flat fees to manage assetsTiered, 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

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.

Classes

We offer private, virtual or in-person courses on many topics in personal finance, investing, and retirement management/planning. We do this so you can take the wheel if you’d like, and not be tethered to the hip to an advisor the rest of your life.

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.

Manage Assets

For a low flat-rate per month (deducted in advance from your investment account) we manage your assets and mentor you as we go, explaining why each fund is in your portfolio and why we feel changes should be made. Our philosophy is passive investing in just a few diverse low-fee ETF funds.

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. That is our mission. We keep our client list small so that we can give everyone the attention they need and deserve, at any time they need it. Let’s get started!

CONTACT US TODAY

September 2022

September 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!

Navigate

  • info@emancipare.com

  • Twitter: @EmancipareFIRE

  • (484) 442-0639

  • Available Mon-Sun: 8:00AM – 8:00PM

To request a callback, just drop your phone number in the form below and hit the request.

Emancipare Investment Advisors LLC is a registered investment adviser domiciled in Pennsylvania. Check the background of your financial professional on FINRA’s BrokerCheck.

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