Brian Fricke

CFP®

Financial Management Concepts

Financial Advisor

Brian Fricke

CFP®

Financial Management Concepts

Financial Advisor

Our mission is to inspire and encourage you to experience your personal version of an Incredible Retirement® – doing what you want, when you want. A life well lived is far more important than out performing some arbitrary market index or achieving “The Number”. - Brian Fricke, CFP®

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

Brian Fricke is a Winter Springs, FL fee-only financial planner. Clients of  Financial Management Concepts have approximately $500,000+ of savings and investments. They are retired or their primary focus is planning for retirement. Regardless of age, they are “young at heart” and live their lives actively. They are passionate about family, helping others, making a difference in their community and the people around them. They are high level professionals or mid and upper level managers.

They have worked hard, saved well, and value professional advice. They are not major risk takers, but do want more than just guaranteed income. They do not micromanage, but instead prefer to delegate so they can focus their attention on people, issues, and hobbies that are important to them. Even if they are able to handle things on their own. 

They expect us to focus on managing their investment assets and to be proficient in tax and legal matters. They do not expect us to do everything financially, but rather coordinate with other professionals we introduce them to or they already have relationships with.

At our meetings we talk about their lives, families, travels, and their money. They want to know that we are carefully watching over their investments and discretionarily making smart decisions so they do not have to.

Their primary financial motivation is to ensure what they worked hard for is managed with care, and that they will always have enough to live their life without concern for things financial. Their secondary financial motivation is to ensure the people they care for and organizations they support are the benefactors of what they leave on this earth – and NOT the government.

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, Retirement Planner, and Certified Financial Planner™ Brian Fricke travels the world surfing with his sons, proving that anyone can experience their own 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 and Tony Robbins recommend – 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 faith based foundation, with over $700 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..

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, CNBC.com, TheStreet.com, 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®!

Brian Fricke is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning

Financial Management Concepts
Company Story

It’s been said, “Grief is the price we pay for love.” I found the true meaning of this statement early in my life.

Without warning, my Dad died from a heart attack at the age of 42. I was only 16 at the time. I’ll never forget that day. His passing was devastating to our family. My mother could no longer be a “stay at home Mom”. She had to step in and start running our family’s real estate business right away. It seemed like everything fell on her shoulders. She couldn’t do it alone so in order to help, I got a job as soon as I could, juggling school and work responsibilities along the way.

I always wondered why my Dad was taken from us so soon. It didn’t seem fair. I no longer had a fatherly figure to teach me about life, and how to manage and save money.  I had to figure it out on my own. For most of us, our definition of “being the best we can be” may be a very grey area. It takes time to realize what it is we really want, and how to achieve it. It took a while to find my footing. There were plenty of hardships along the way.   I didn’t realize it at the time, but my father’s passing prepared me for my future. It gave me the ability to connect deeply with people who would also have to deal with the loss of a loved one, especially when money was involved.

My Dad always told me, “Son, be the best at whatever you do. If you do that, you’ll always be paid well.” His words were some of the best advice I ever received.

I grew up believing that someday, I would follow in my father’s footsteps, and learn the real estate business, just as he did. At 18, I got my license, and started selling residential real estate. I quickly learned that hauling strangers around in my car was not for me. 

At the time, I was working with an investor who bought and sold rental homes. It didn’t take a genius to realize his profits and commissions, far exceeded mine. I decided to go from realtor to property investor. Before I knew it, I’d bought and sold over 30 properties. I was being looked at as one of the best investors in the area.

People started approaching me and asking me how to become “financially successful”.  My financial planning future was born.

As part of my research, I talked to almost every financial planning company in town. One group were insurance agents, but their focus was only on selling life insurance and the occasional disability policy. The other group’s only interest was selling investments.  I knew there had to be something better out there. I continued to study, constantly seeking the advice of those most qualified, and willing to share their wisdom with me. Eventually, it all paid off.

I remember coming home one evening, and with great enthusiasm, announcing to my wife, I would be starting my own financial planning company. At the time, we had a 3 month old baby, and she had just quit her job in order to become a “Full-time Mom”. Our decision was something we’d never regret. We put together $20,000, and began our journey. While things were challenging early on, we kept plugging away.

We were on top of the world, my dream had been realized. I now owned my own company. We were brand new, had no clients, and no initial income… but that mattered little to us. My wife had total trust and confidence in me. It’s because of her, I was able to obtain the Certified Financial Planner™ (CFP® designation). I love and admire her for having confidence in me, so I could pursue my dream.

Eventually, we built my company, Financial Management Concepts. Today, we are one of the most respected financial planning companies in the industry.

I’m proud we’ve attracted such a wonderful group of clients. It’s gratifying to know we’re helping them enjoy their version of an “Incredible Retirement”… able to do what they want... when they want, with the resources they have available.

 

Brian Fricke, CFP®
Author – “Worry Free Retirement”

 

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Retirement Planning and Coaching
  • Retirement Income Planning
  • Investment Management
  • Tax Planning

Ideal Clients

  • Lockheed Martin Employees and Retirees
  • Retirees and Near Retirees
  • High Level Professionals
  • Mid and Upper level managers
  • Sudden Money Situations

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Transparent Fees
  • No Product Sales
  • Complimentary Initial Consultation
  • Subject Matter Expert Network

Professional Designations & Affiliations

Contact Brian Fricke

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Office Locations:

  • 1700 Town Plaza Court
    Winter Springs, FL 32708

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