Who do you work with?

Individuals and families at every stage of life, from building savings and protecting a family to planning retirement and managing income. Retirement, Social Security, and Medicare are areas of focus, but you do not need to be retired or close to retirement to work with us.

What happens in a first conversation?

We ask what you are trying to work out and listen. There is no cost, no obligation, and nothing to sign. If your question can be answered in that meeting, we will answer it, and if we are not the right people to help we will say so.

Investment advisory services through simplyRIA advisor network carry a fiduciary duty to advisory clients, including acting in their best interest and addressing conflicts of interest. Insurance is offered separately and may pay commissions. Ask which capacity applies to a recommendation and review simplyRIA advisor network’s Form CRS and Form ADV for details.

Advisory services are compensated by fees under the applicable agreement and simplyRIA advisor network’s disclosures. Insurance compensation may include commissions. We explain the proposed advisory fee, investment expenses, and other applicable costs before you commit. Ask for a written breakdown for your situation.

Do you have to be local to work with you?

We are based in Warren, Ohio. Schedule a conversation to discuss meeting options. Advisory services are offered only where simplyRIA advisor network and its representatives meet applicable registration, notice-filing, or exemption requirements.

Champion, Ohionick@farrell.financial

Education first. Purpose always.

Your life. Your goals.
A clear financial plan.

Understand your options. Connect your decisions. Plan with confidence.

Schedule a conversation

Start with a complimentary conversation.

Clarity for every stage of life.

Understand your options

Clear explanations, thoughtful tradeoffs, and guidance you can use.

Connect the pieces

Investments, retirement, taxes, and insurance considered together.

Know your advisor

A personal relationship built on integrity, stewardship, and service.

How I can help

Planning that fits your life.

Retirement & income

Create a strategy for the years ahead, from Social Security to retirement income.

Explore

An open notebook and pen beside a window

Investments & tax-aware planning

A thoughtful, long-term approach that considers your full financial picture.

Explore

A sheltered woodland path overlooking distant hills

Insurance & protection

Help protect what matters most, with coverage that fits your life and priorities.

Explore

See your decisions together

Retirement has a lot of moving parts.
See how yours fit.

When to claim Social Security. Whether to convert to a Roth. How income can affect your Medicare premiums.

A personalized report helps us compare those decisions together, with your goals and assumptions in view.

01 Social Security timing
02 Year-by-year Roth conversion scenarios
03 Taxes and Medicare income surcharges

Discuss my report Email Nick

Start with a free consultation. We’ll discuss what a report for your situation would involve.

Page 1 of a fictional Farrell Financial retirement report for Alex and Jamie, with a blue-and-gold design and the title Your next chapter. With a clearer plan. — Sample cover using fictional client information. Click to enlarge.

Meet Nick Farrell

A teacher’s approach.
A planner’s perspective.

Nine years in the classroom shaped my belief that good advice begins with understanding.

I help you make sense of your options, weigh the tradeoffs, and connect each decision to the life you want to build.

Get to know Nick

Know the cost. Expect the value.

Do you know what you’re paying your advisor?

How is the fee paid? What does it cover? And is the service worth it?

Your fee should buy more than an annual review.

Let’s talk about ongoing portfolio oversight, investment research, and how your plan adapts as life changes.

A coordinated planConnect investments, retirement income, and tax-aware decisions.
A reason for what you ownDiscuss investment choices, fund expenses, and the tradeoffs behind each recommendation.
Clear costs and expectationsKnow the proposed fee and services before deciding whether we’re a good fit.

Let’s talk about value Email Nick

Put a percentage into dollars

What does that fee cost?

Portfolio value $1,000,000

Annual advisory fee 1.25%

Illustrative annual fee$12,500

Equivalent advisory fee by period
Quarterly equivalent	$3,125
Monthly equivalent	$1,042

Illustration only, not an industry average or Farrell Financial fee quote. Assumes a constant balance and flat annual rate. Excludes fund expenses, platform charges, and other costs. Actual billing terms vary.

Keep learning

Good decisions start with understanding.

Explore practical explanations of retirement, Social Security, taxes, and the financial decisions ahead.

Read the latest insights Explore market dashboards Ask about educational seminars

Common questions

Who do you work with?: Individuals and families at every stage of life, from building savings and protecting a family to planning retirement and managing income. Retirement, Social Security, and Medicare are areas of focus, but you do not need to be retired or close to retirement to work with us.
What happens in a first conversation?: We ask what you are trying to work out and listen. There is no cost, no obligation, and nothing to sign. If your question can be answered in that meeting, we will answer it, and if we are not the right people to help we will say so.
Are you a fiduciary?: Investment advisory services through simplyRIA advisor network carry a fiduciary duty to advisory clients, including acting in their best interest and addressing conflicts of interest. Insurance is offered separately and may pay commissions. Ask which capacity applies to a recommendation and review simplyRIA advisor network’s Form CRS and Form ADV for details.
How are you paid?: Advisory services are compensated by fees under the applicable agreement and simplyRIA advisor network’s disclosures. Insurance compensation may include commissions. We explain the proposed advisory fee, investment expenses, and other applicable costs before you commit. Ask for a written breakdown for your situation.
Do you have to be local to work with you?: We are based in Warren, Ohio. Schedule a conversation to discuss meeting options. Advisory services are offered only where simplyRIA advisor network and its representatives meet applicable registration, notice-filing, or exemption requirements.

Your next step

Let’s talk about what matters to you.

Bring your questions. We’ll start with a conversation.

Schedule a conversation

Complimentary. No obligation.

Your life. Your goals.
A clear financial plan.