Eric Gaddy

Fiduciary Retirement & Investment Advisor for Pre-Retirees and Retirees

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Live Free Retirement Advisor Eric Gaddy
Spartanburg, SC

Serving Clients Nationwide

Fiduciary Retirement & Investment Advisor for Pre-Retirees and Retirees

24 Certified Advisor Reviews™
5 out of 5 Stars
Jump to Reviews

Areas of Focus

  • Investment Management
  • Retirement Income Planning
  • Retirement Planning
  • Roth Conversion Strategies
  • Tax-Smart Distribution Planning

About Eric Gaddy

Hi, I'm Eric Gaddy, founder and lead advisor at Live Free Retirement Advisor.

I've been a fiduciary financial advisor since 1993. For more than 30 years, I've helped people make smart, confident decisions about their money, with one goal in mind: freedom.

Most of us were handed the same script growing up. Go to school. Get a job. Work for decades. Retire at 65. And one day, often sooner than expected, you look up and think, "Is this really the plan?"

I don't believe retirement should be based on age. I believe it should be based on readiness, financially and personally.

At 48, I realized I had built a successful career that wasn't giving me the freedom I wanted. So I made a change, the same kind of change I'd been helping clients work toward for years. I sold my investment firm, stepped back, and rebuilt the practice on my own terms.

Today, I work with people across the country and right here in Boiling Springs, South Carolina. Some clients want to sit across the desk from me at the office. Others prefer to work over video from wherever they are. Either way, what they get is the same: a fiduciary advisor who knows their situation, thinks about their whole picture, and tells them the truth.

Direct access to someone with 33 years of experience, held to a fiduciary standard as an investment advisor: someone who puts your interests first.

Primary Location

3101 Boiling Springs Rd. Boiling Springs, SC 29316

Meeting Options

  • Video Conference
  • Phone

Compensation Methods

  • Flat Fee
  • Hourly Rate
  • One-time Financial Plan
  • Percentage of Assets Managed
  • Subscription

What to expect in the first meeting

Click the Book a Diagnostic Session button above to schedule your complimentary Retirement Diagnostic Session. 20 minutes. We figure out where you are, what you're trying to solve, and whether working together makes sense. No pitch. No pressure. I look forward to speaking with you.

Offers Investment Management

Yes

About Live Free Retirement Advisor

Live Free Retirement Advisor is a fiduciary financial advisory practice based in Boiling Springs, South Carolina.
I founded Live Free Retirement Advisor to do one thing: help pre-retirees and retirees build a retirement plan strong enough to last a lifetime.

As a retirement income advisor with over 33 years of experience, I work with clients who are within a few years of retirement or already retired and need more than a portfolio manager. They need a comprehensive plan, and the investment management to carry it out.

Through my proprietary Retirement Design Architecture, I build retirement plans across five critical areas:
▪ Income Design: creating reliable income designed to last throughout retirement
▪ Tax Architecture: reducing the lifetime tax burden on retirement assets
▪ Market Risk Management: protecting what clients have built from sequence-of-returns risk
▪ Healthcare and Protection: covering the costs most people underestimate
▪ Legacy and Estate Coordination: ensuring what is left behind goes where it should

Most advisors address one or two of these. We manage the investments and address all five.

I am also the author of Retire Early: What Are You Waiting For?, where I help pre-retirees think clearly about their next chapter.

If you are serious about retiring on your terms, start with a complimentary Retirement Diagnostic Session at session.livefreeretirementadvisor.com

Education

University of North Carolina at Pembroke, BA, Economics

Hobbies and Interests

  • Dogs
  • Family
  • Football
  • Music
  • Relaxing
  • Traveling

Who We Serve

  • Baby Boomers
  • Business Owners
  • Corporate Executives
  • Couples
  • Families
  • Gen X
  • Individuals
  • Living in Retirement

Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Write a Review


By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 22, 2026
Eric is friendly, intelligent and always provides good advice. I have known Eric for several years now and he is an excellent advisor in both good economic times and bad economic times. You can count on Eric to give it to you straight.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Rachel Fletcher
Rachel Fletcher

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 22, 2026
Excellent videos on different retirement topics
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Tim Crouch
Tim Crouch

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 22, 2026
We utilized Eric to analyze our retirement plan! After our initial contact he couldn’t have made the process easier. He took time to answer our questions and provide us a plan that we could review and tweak as retirement neared. His easy going personality without high pressure sales was what drew us to him. His vast knowledge of all aspects of retirement planning and his ability to share it in an easy to understand format makes him an easy choice when looking for a financial planner.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for D Wilson
D Wilson

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 22, 2026
Very informative and routine relevant updates without any pressure to subscribe or make a purchase. Reliable and competent.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Avi Sandher
Avi Sandher

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 22, 2026
Straight shooter. Did not steer the conversation towards selling, only offering help if we needed it. Didn't make us feel like we were not competent to make our own decisions. Not pushy at all.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Karen Tulloh
Karen Tulloh

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 21, 2026
Eric is very knowledgeable and takes the time to hear your circumstance and make recommendations AND explain his answer
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Elaine Morris
Elaine Morris

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 21, 2026
Eric was wonderful when we reviewed our retirement plan, answering questions, giving factual advice. We really like reading or hearing any of his social media thoughts on retirement - has really helped in our retirement being successful! Thank you Eric!
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Diana Guardiola
Diana Guardiola

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 21, 2026
Awesome human being. Never met a financial planner who's willing to just give it to you straight and not ask anything for it. I tend to manage my own portfolio but when the time comes to have someone review our stuff it'll be Eric
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for bigmoe128
bigmoe128

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 21, 2026
Eric is extremely knowledgeable and easy to talk with. He is able to discuss complicated topic in a way that makes sense. No sales pressure.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for David Lynes
David Lynes

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 21, 2026
Eric has been very generous with his knowledge & time. Great workshops that have helped me plan in retirement
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Kellie Sands
Kellie Sands

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 21, 2026
Eric is very knowledgeable and helpful when it comes to retirement planning. His insight and expertise are highly appreciated and he doesn’t pressure you into working with him.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Matt Miller
Matt Miller

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 21, 2026
   
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Mark
Mark

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 18, 2026
Very competent, cares and listens to their clients. Concerned with the differences between retirement money and growth money.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for James DeGeorge
James DeGeorge

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 10, 2025
We highly recommend Eric. He's professional, patient and very knowledgeable.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Cathy McMillan
Cathy McMillan

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 8, 2025
Eric is super knowledgeable and has many projection tools available to share. He will spend time with you on the phone and guide you in the right direction. He offers several different pricing levels as well. He will give you the information you need to plan for your dream retirement. I personally found him extremely helpful.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Dianne Lax
Dianne Lax

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 8, 2025
Eric Gaddy has been our financial advisor for awhile. He is very knowledgeable and down to earth with his advice. He is always readily available by phone, text or email. We are very happy with his service. Definitely recommend.
Relationship to Financial Advisor: Client as of Jul 8, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Mauricio Jimenez
Mauricio Jimenez

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 7, 2025
Eric Gaddy is an independent financial advisor who works for YOU, not some big brokerage firm. He has a strong commitment to his clients and is easily accessible by phone, text, or email. He's given me peace of mind with my retirement planning.
Relationship to Financial Advisor: Client as of Jul 7, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Vicki McDonald
Vicki McDonald

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 7, 2025
Eric put me at ease regarding retirement and was very knowledgeable in helping me transfer my funds. Thanks to Eric I am very confident regarding my finances today.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for C Dell
C Dell

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 6, 2025
   
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Mike Morrow
Mike Morrow

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 6, 2025
Knowledgeable and available.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for sandrastallings
sandrastallings

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 6, 2025
Eric is wonderful…no pressure approach in helping me manage my retirement journey…always professional in his guidance…offering multiple options and levels of service…,,
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Mary Granger
Mary Granger

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 6, 2025
Eric's knowledge and down to earth approach puts you at ease when discussing retirement plans.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Bonnie Stonestreet
Bonnie Stonestreet

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 6, 2025
My husband and I have had the pleasure of working with Eric, who has effectively addressed our concerns and provided valuable financial advice. Although we are not yet retired, Eric's insights have reassured us about whether we are on the right track to retire early and if we will be financially secure. Working with Eric is very convenient, even though we live out of state, and he is always available to answer our questions.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Maria Einsig
Maria Einsig

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 6, 2025
   
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Kelly Beyer-Joya
Kelly Beyer-Joya