Paul J. Coleman III, CFP®
Financial advisor serving those nearing and in retirement.
Wealthtender Community Connect helps people discover the best financial advisors for their individual needs through their favorite blogs and podcasts.
Click Here to Learn More
Serving Clients Nationwide
Financial advisor serving those nearing and in retirement.
Areas of Focus
- Estate Planning
- Financial Life Planning
- Giving
- Insurance
- Investment Management
- Retirement Planning
- Social Security
- Taxes
About Paul J. Coleman III, CFP®
Hi, I’m Paul J. Coleman III. I’ve lived in and around the Buffalo, New York area for over 10 years.I grew up on a small dairy farm in New York’s Southern Tier, where I learned how to work and how to care for animals. I worked as a motorcycle mechanic while going to college for financial planning, and I eventually moved to Rochester, NY to work in the Trust Department of a local community bank. It’s there that I learned the basics of how to help people with their finances and how to invest money for specific goals.
While at the bank I earned the right to be called a CERTIFIED FINANCIAL PLANNER® professional and soon after moved to Buffalo to work in a fee-only Registered Investment Advisory firm. Over the next ten years I honed my skillset to specialize in tax-efficient retirement planning. I grew with the firm and was eventually offered partnership there, but I realized that my true dream was to grow a firm on my own terms. A firm where I could care for a smaller number of families, develop wonderful relationships, and focus all my attention on their needs instead of on sales goals and growth.
I launched Free Time Financial in March 2025 with one core focus – to help people navigate the transition from the last few working years of their lives into and through retirement. I decided to employ a flat-fee business model, because I don’t believe that you should pay more than someone else for the exact same service just because you have a larger account balance.
In my free time you’ll find me with my wife, Kaitlin and our wonderful Goldendoodle, Roy; taking care of our home and property in Orchard Park, NY; enjoying good food and drinks with friends or family; working in my garage; skiing; or riding my snowmobile or motorcycle. I’m also a total nerd for the financial planning industry – having served on the board of the local Financial Planning Association for eight years (two as president), consuming several hours of industry specific podcasts each week, and engaging daily in several financial planning professional forums where I help answer others’ questions and hone my craft in service of my clients.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
Affiliations
- Financial Planning Association
Primary Location
Orchard Park, New York
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Flat Fee
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a complimentary introductory call. We’ll discuss your goals, answer your questions, and determine whether our flat-fee retirement planning approach is right for you. I look forward to speaking with you.Offers Investment Management
Yes
About Free Time Financial
At Free Time Financial, we help individuals and couples approaching retirement replace financial uncertainty with clarity, strategy, and peace of mind. By managing every aspect of your retirement, investment, and tax planning, we give you the confidence and space to focus on what matters most.What will you do with your free time when you don’t have to worry about money?
Travel more? Spend time with family? Give back? Rediscover passions? Whatever your answer, we’ll help you get there.
Why We’re Different
✔️ One service. One focus.
We offer a single, comprehensive Concierge Wealth Management service so that we can focus 100% of our energy on providing an incredible experience for those that we serve.
✔️ Flat-fee, fee-only structure.
Transparent pricing that reduces conflicts of interest and aligns our work with your goals.
✔️ Retirement specialists.
We work almost exclusively with retirees and those within a couple years of retirement.
✔️ Personal attention.
We limit the number of clients we serve so you receive a truly concierge experience.
Who We Best Serve
We work best with retirees and those nearing retirement, because we recognize that the skills needed to decumulate a portfolio are different than the ones needed to accumulate a portfolio.
Though we don’t have any asset minimums, we find that our service best fits people who have at least $800,000 of investable assets and who want a thoughtful, proactive partner for the retirement phase of life.
Our Beliefs
▪️ Everything centers around a well-crafted plan that is based on your unique goals and attitude toward risk.
▪️ Time in the market is superior to timing the market and leads to capturing market returns over long periods of time.
▪️ Lower investment costs often lead to better returns.
▪️ The simplest solution is often the best solution.
Education
Alfred State College - SUNY, College of Technology Bachelor of Business Administration (BBA), Financial Planning
Hobbies and Interests
- Family
- Motorcycling
- Skiing
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Corporate Executives
- Dual Income Family
- Gen X
- Intergenerational Families
- Living in Retirement
- Parents
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.
We Want Your Voice to be Heard
Wealthtender exists to help people discover trusted and authentic financial professionals and educators who may be a good fit based on their unique needs and circumstances.
Your honest reviews help people decide which financial professionals and educators may be best suited to their individual needs.
The majority of people trust reviews as much as personal recommendations, so what you write in your review should reflect your own opinion and experience.
Tips for Writing a Helpful Review
Be descriptive. Instead of just saying what you like or dislike, share why. What have you enjoyed most or least about your experience with the provider? Have they helped you overcome a difficult financial challenge or strengthened your knowledge about particular money matters? The more details, the better!
Be honest. Your rating and review should reflect your actual experience.
Stay relevant. Ensure your review is helpful to others by avoiding off-topic discussions or personal opinions not relevant to your direct experience.
Make your review easy to read. Reviews should be readable to others. Use proper grammar, avoid excessive capitalization or punctuation, and be sure to check your spelling.
Be yourself. Don’t post as, or pretend to be, someone else, and do not say you’re associated with a person or organization with which you are not.
Be nice. Don’t write abusive, hateful, threatening, or harassing content. Avoid personal threats, hate speech, obscenities, or inflammatory language.
Respect the privacy of others. Don’t post information that can be used to identify another individual or compromise their privacy.
Report abuse. Thank you for helping us ensure reviews on Wealthtender are helpful to everyone. If you suspect possible violations of our guidelines or believe a review is inappropriate, please email support@wealthtender.com with a link to the provider’s profile, indicating the review in question and the reason you believe it violates our guidelines.
➡️ Are you reviewing a financial advisor? Learn more about Certified Advisor Reviews.
Disclaimers
Wealthtender reserves the right to remove reviews that violate its guidelines and/or regulations issued by the Federal Trade Commission, Securities and Exchange Commission, FINRA, and other regulatory agencies. Further, financial advisors are subject to individual firm policies and rules prescribed by federal and state regulators that may result in reviews being removed, not published, or potentially modified upon the documented request submitted by an advisor, compliance officer, or other firm professional to maintain compliance with federal and state regulations.
If you submit a review on Wealthtender, the Federal Trade Commission has issued guidance to ensure you always maintain the right and ability to request reviews be removed from any online review website, including Wealthtender. To request the removal of a review you submitted on Wealthtender, please send an email to support@wealthtender.com using the same email address you utilized when submitting the review. Please include in your email a link to the profile on Wealthtender where your review is published.
In addition to your review being published on Wealthtender, you acknowledge your review may also be published by your financial advisor on their website, social media accounts, and/or profile pages on other directory websites.
The reviews posted on Wealthtender are individual and subjective opinions. The opinions expressed in reviews are those of the reviewer and not of Wealthtender, Inc. Wealthtender does not endorse any of the opinions expressed by reviewers.
Please refer to the Wealthtender terms of service and privacy policy for additional information.
If you have questions or if we can assist with anything at all, please contact us by email at support@wealthtender.com or call us at (512) 540 – 3811.
Thank you for visiting Wealthtender and giving us the opportunity to serve you.
© 2024 Wealthtender, Inc.
