Brian L. Fricke

Brian L. Fricke

| CFP®

Financial Management Concepts

(407) 647-7006

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Fee-Only Financial Advisor Serving Orlando, FL, Central Florida, and Clients Nationwide


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting


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1700 Town Plaza Court
Winter Springs, FL 32708

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Brian Fricke is an Orlando, FL Fee-Only Financial Planner serving clients nation wide.  Financial Management Concepts specializes in providing a Financial Road Map with ongoing financial planning, retirement planning, wealth management and tax planning.  Brian Fricke is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

If you want to experience an Incredible Retirement® – Doing what you want, when you want – you’ve come to the right place!

Author, Speaker, Investment Manager, Wealth Manager, and Certified Financial Planner™ Brian Fricke travels the world surfing with his sons, proving that anyone can experience their version of an Incredible Retirement®. Even if your’e still working!

Since 1987 he’s been inspiring a select community of private clients to experience their own personalized version of an Incredible Retirement®.

At the age of 16, Brian became “man of the house” when his father died unexpectedly. He joined the family real estate business at 18. His path to becoming a Fee-Only® financial planner – the kind Clark Howard recommends – became clear when others sought him out for financial advice after they discovered he had purchased 15 rental properties by the age of 23.

Brian serves on the Board of Trustees for the LCMS Foundation, with over $900 million in assets. He has been recognized as a top financial planner by Orlando Business Journal and Financial Advisor Magazine He’s the Author of the popular book, Worry Free Retirement – Do what you want, when you want, where you want..

An award winning financial planner and successful business owner, Brian has been interviewed in connection with his retirement expertise and has been quoted in print and radio outlets such as The Wall Street Journal, Orlando Business Journal, Orlando Sentinel, Fox Business,,, Wealth Manager, Smart Money and Investment News.

What Sets Us Apart:
The popular buy and hold, spread it all around, pie chart approach to investing and financial planning is a broken system. It failed miserably during the 2000-2003 bear market and the 2008 market meltdown. We focus on avoiding large losses, including temporarily going to cash when necessary. It’s also critical to avoid unnecessary risk. You should only take on the least amount of risk necessary in order for you to reach (and keep) your goals. Trying to determine the maximum amount of risk you’re willing to tolerate, and then making sure you experience it is a big mistake you should avoid. You can enjoy your lifestyle today without jeopardizing your future by giving your money a Nest Egg Stress Test®.

4 Things about Brian That Might Surprise You

  • At the age of 10 Brian started his first business, a neighborhood candy store.
  • Brian’s first “job” was at McDonalds. At the age of 15 he rode his bike to and from work. By 17 he was a shift manager.
  • One of Brian’s primary purposes in life is to serve as a constant source of humor for his sons Justin & Adam. They tell him he’s really good at this.
  • “The Richest Man in Babylon” and “The E-Myth Revised” by Michael Gerber are among Brian’s favorite books.

Brian’s Education
Thanks to his entrepreneurial instincts, Brian knew early on that college wasn’t for him. He got his Real Estate license at 18 (which has since expired). He holds the Certified Financial Planner (CFP®) designation and is passionate about continuous learning. He even paid his sons to read specific self improvement and financial books. He continues to participate in various coaching, mentoring and mastermind programs.

Brian Walks the Talk
Everything Brian shares with audiences and recommends to clients is time tested and proven. People often wonder if Brian is already retired, which he really gets a kick out of because all he’s doing is what you could be doing too – experiencing your personal version of an Incredible Retirement®!


Rich! That’s the answer I would always give my friends in high school when asked what I planned to be after we all graduated high school.

Back then, that definition meant being a millionaire. It didn’t bother me in the least that I had absolutely no idea how I would accomplish my dream. Except that I knew, at least for me, college was not the answer.

I guess deep down inside I always knew I would own a business.

To this day I remember my father always telling me “Be the best at whatever you do. If you do that you’ll always be well paid.” I could hardly wait until the day when I could join my father in the family business.

Then the unthinkable happened, my father died. I was 16, he was 42. One week later my mother went from being a “full-time mom” and part-time bookkeeper to a full-time business owner, with all the responsibility that goes with owning and operating a business.

Mom had no choice! There were not sufficient assets that would give her the choice of deciding whether she would continue being “just a mom”. She had to keep the company going to take care of her two boys.

I look back now and realize this is one of the main reasons I do what I do. My mother should have had choices. She should have been able to decide what she wanted to do with her life, without money influencing her decision.

I got my real estate license when I was 18 and started my career in residential real estate sales. I quickly learned that hauling strangers around in my car was not for me. I remember working with an investor who bought and sold rental homes and noticed his profits far exceeded my commissions, while I did the majority of the work. Soon after, I found myself buying and selling over 30 rental properties.

Then a funny thing started to happen. People started approaching me, asking me how to become financially successful. My financial planning future was born.

I interviewed with any and every company in town that said they did financial planning. I was very disappointed and disillusioned to find that these companies fell into two groups. One group were insurance agents, interested only in selling life insurance and the occasional disability policy. The other group only wanted to sell investments. I just knew there had to be something better.

I remember coming home one evening announcing with great enthusiasm to my wife, that I would be starting my own financial planning company the following week. We had $20,000 in the bank, with an understanding that when that money was gone I’d go back and get a “real job”. We also had a three-month-old infant. And my wife had recently quit her well paying job to be a full time mom. This was something we both felt was very important (and still do).

I was on top of the world. I owned my own company! It didn’t matter that there were no clients or income. My wife had absolute trust and confidence in me. It’s because of her I obtained the Certified Financial Planner (CFP) designation. I just knew if I was really good in what I did no one would care whether or not I had any designation. My wife convinced me of the wisdom of obtaining my CFP designation. I love and admire her for having the trust and confidence in allowing me to pursue my dream.

I remember vividly the afternoon we sat down together on our living room sofa to review our finances. This was a pretty quick process. We had no money in the bank, $30,000 of credit card debt, both cars and the house. It’s also, the day she announced we would be having our second child. Clearly time for me to go get “a real job”.

But some how we both knew our circumstances would change for the better and they did. Today we are totally debt free, including our company. We now have two wonderful boys on their way to being outstanding young men.

In the beginning I would work with anyone. This made for long days and time away from my family. As time went on and the company grew I started to realize that it was time for a change and restructured the way we conduct business. Now we serve no more than 100 top clients, who leave the details of their finances to us. Therefore, they are able to do in life what’s important to them.

Along the way, I have found my definition of rich has changed. Now it’s not so much about how much money I have. It is about having the freedom and security to do what I want, when I want, and with whom I want. This, I truly believe, is what our company is all about.

Watching a client walk away from millions of dollars in stock options, knowing they already “have enough”. Willing to create the time to do those things important to them by sacrificing what some would consider significant wealth. Or the corporate executive who takes early retirement. Not because he’s asked to, but because we wants to. So he can pursue other opportunities that are more important to him, like managing the business side of his church or organizing missions throughout the world. Not to mention the couple experiencing the freedom and joy they get from traveling the entire U.S. in their motor home.

None of our clients will show up on some wealthiest in America list. However, I suspect they are truly “richer” than many of this nations wealthiest families.