Bill Hines, AFC®

An inexpensive flat-fee fee-only fiduciary retirement planner/investment advisor

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Emancipare Investment Advisors LLC Bill Hines, AFC®
Bethlehem, Pennsylvania

Serving Clients Nationwide

An inexpensive flat-fee fee-only fiduciary retirement planner/investment advisor

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Areas of Focus

  • Financial Life Planning
  • Living in Retirement
  • Retiring Early (F.I.R.E)
  • Social Security
  • Taxes

About Me

You’ll love us if…

You want to know the actual, mathematical date you can retire or be financially independent

You’re in your 30s-50s and don’t want to work until you’re 65

You’re think you’ll have to work until you die

You want the best retirement possible

You want a mentor, to understand your current investments and fees (do you, currently?)

You need strategic tax planning (forward looking) not tax preparation (backward looking)

You need a Total Financial Makeover (kill debt & invest)!

You want a clear, personalized, precise guide/roadmap to your financial independence or retirement date, not a rough metric

Professional Designations

  • Accredited Financial Counselor (AFC)


  • Financial Coach Academy
  • Ramsey Solutions Financial Coach

Primary Location


Meeting Options

  • Video Conference
  • In-Person
  • Phone
  • Group Classes
  • Online Courses
  • Webinars

Compensation Methods

  • Advice-Only
  • Fee Only
  • Flat Fee
  • Hourly Rate
  • One-time Financial Plan
  • Package Offers
  • Subscription

What to expect in the first meeting

No pressure, no sales pitch! We just discuss your plans, hopes, and dreams and how we can help. Plus lots of free advice!

Offers Investment Management


About our Firm

We’re different – very different! We formed our inexpensive, ethical, flat-fee 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.

Who else has transparent, up-front and understandable pricing? We don’t bleed you out on AUM rate-table fees from your investment account, where you can’t see them, or charge more just because you have more.


B.S, A.S

Volunteer Experience

Every chance I get!


Hobbies and Interests

  • Beach
  • Camping
  • Computer
  • Cooking
  • Eating Out
  • Exercising
  • Hockey
  • Motorcycling
  • Movies
  • Music
  • Reading
  • Writing

Who We Serve

  • Baby Boomers
  • Blended Family
  • Business Owners
  • Couples
  • Divorce
  • DIY Investors
  • Dual Income Family
  • Financial Independence Retire Early (FIRE)
  • Gen X
  • Gen Y / Millennials
  • Gen Z
  • Investors
  • LGBTQ Couples
  • Living in Retirement
  • Military
  • Parents
  • Veterans
  • Widow
  • Young Families

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