FRS Advisors

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FRS Advisors Financial Services including wealth management, retirement analysis, and insurance planning Securities offered through LPL Financial, Member FINRA/SIPC.

Full service financial planning services firm including wealth management, financial independence strategies, company retirement plan services and insurance analysis for business owners and professionals. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. www.finra.org and www.sipc.org. Investment advice offered through Private Advisor Group, a registered investment advisor. FRS Advisors, Private Advisor Group and The Philadelphia Group are separate entities from LPL Financial.

10/23/2026

Trump Accounts, explained. No politics, just how they work.
Up to $5,000 a year for kids under 18. Invested in a low-cost index fund. Treated like an IRA from age 18. Plus a possible $1,000 for kids born 2025 through 2028.
Quick clarification on the video: Dell’s $250 is for kids 10 and under in certain ZIP codes, and only the money family puts in comes out tax-free.
Questions? Ask me.

10/23/2026

This week on FRS Boardroom I'm talking about Trump Accounts. Leave the politics at the door. This is just about how the account works.

In short, it's a savings account for kids under 18. Family can put in up to $5,000 a year combined, it's invested in a low-cost index fund, and it becomes IRA-style money once your child turns 18. U.S. citizen kids born from 2025 through 2028 may also qualify for a one-time $1,000 from the government, but you have to request it. And Michael and Susan Dell have pledged $250 for kids 10 and under in ZIP codes with a median household income under $150,000.

Quick clarification on two details in the video: Dell's $250 is for kids 10 and under in certain ZIP codes, and only the money family puts in comes out tax-free. Earnings, employer money, and the $1,000 deposit are taxed when they're withdrawn.

It's not for every family, and it's not something I can set up for you. If you're wondering whether it fits, ask me. I'm happy to talk it through.

10/07/2026

With rates this high, what should you actually be doing with your money?

If you’re carrying a HELOC, business line of credit, auto loan, student loan or credit card debt, higher rates may be changing the way you should think about your overall strategy.
That doesn’t automatically mean paying everything off at once.
But it does mean asking the right questions:
→ Which debt should you prioritize?
→ How much cash should you keep available?
→ Should some savings be used to reduce higher-interest debt?
→ How does that decision affect the rest of your financial plan?

For families and business owners juggling multiple priorities, the answer isn’t always simple.

If you’ve been wondering whether today’s interest rates should change what you’re doing, that’s a conversation worth having.
Reach out to FRS Advisors and we can help you look at the full picture.

Today we're celebrating a milestone of our own — it's Bob's 50th birthday!There's something fitting about it. Turning 50...
09/22/2026

Today we're celebrating a milestone of our own — it's Bob's 50th birthday!

There's something fitting about it. Turning 50 is one of the moments we hear about most from clients — it's when retirement stops feeling abstract and starts feeling real. Bob has spent his career helping people plan for exactly that turning point.

Today, we're just glad to celebrate his.

Join us in wishing Bob Clements, ChFC, AIF®, a very happy 50th birthday!

A strong fiduciary process isn’t a one-time task—it requires consistent attention and documentation.For retirement plan ...
09/09/2026

A strong fiduciary process isn’t a one-time task—it requires consistent attention and documentation.

For retirement plan sponsors, three practical habits can make a meaningful difference:

✅ Follow your Investment Policy Statement
✅ Document key decisions
✅ Benchmark your plan regularly

Learn how these steps can help strengthen your fiduciary process and support better plan oversight:

https://frsadvisors.com/blog/3-practical-ways-to-strengthen-your-fiduciary-process/

This Labor Day, we recognize the vision and dedication behind every successful career, business and financial milestone....
09/07/2026

This Labor Day, we recognize the vision and dedication behind every successful career, business and financial milestone. The wealth you worked to create deserves a strategy built to preserve it, grow it and carry your legacy forward.

What does financial success mean to you? It might be retiring on your terms, supporting future generations, pursuing phi...
09/04/2026

What does financial success mean to you? It might be retiring on your terms, supporting future generations, pursuing philanthropic goals or maintaining the lifestyle you’ve created. Your wealth strategy should reflect your answer.

A concentrated stock position can be a powerful source of wealth—but it can also create significant exposure. Thoughtful...
09/02/2026

A concentrated stock position can be a powerful source of wealth—but it can also create significant exposure. Thoughtful diversification and tax-aware planning can help balance opportunity, risk and long-term objectives.

For successful business owners, personal wealth and company value are often deeply connected. Coordinating succession, r...
08/31/2026

For successful business owners, personal wealth and company value are often deeply connected. Coordinating succession, retirement, liquidity and estate strategies can help protect what you have spent years building.

Building wealth is only one part of the journey. Preserving it, managing risk and transferring it according to your wish...
08/28/2026

Building wealth is only one part of the journey. Preserving it, managing risk and transferring it according to your wishes require an intentional strategy designed around your family and legacy.

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