Larry Frank

Personal Finance, Retirement, Investing
“As an MBA and CERTIFIED FINANCIAL PLANNER™ Practitioner, I help people make sensible plans for a successful retirement. My objective with people is to get them first to, and then through, retirement.”

Better Financial Education

Job Title:



Larry was born in Duluth MN, and grew up in Cloquet MN. He has a B.S. cum laude in Physics from the University of Minnesota and a Master's Degree in Business Administration (MBA) from the University of South Dakota with a concentration in corporate finance and investments. 

Larry retired in 1994 from the United States Air Force as a commissioned officer after a career as a Command Pilot where he flew helicopters, high performance acrobatic jets, and internationally to 47 countries on five continents with large multiengine aircraft. He was also a contingency and war planner during his career as a field grade officer. In addition to flying, Larry served on the Joint Staff at US Southern Command in Panama forming contingency plans for ousting Noriega, is a veteran of the First Gulf War 1991, and served as a Contingency Mobility planner at Scott AFB IL during Haiti, relief operations in Somalia, and Bosnia-Herzegovina.

Larry has years of financial planning research and real-life experiences showing people personal finance choices that are focused on how to make smart decisions to work towards growing and protecting their wealth, not income. Rather than make things complicated, his work has been focused around simplifying the complexities of prioritizing simultaneous financial planning issues, and their related calculations, so the person's living is sustainable.

A Registered Investment Advisor and a Certified Financial Planner™ practitioner, Larry is also the author of Wealth Odyssey, a book designed to help people make sensible plans for a successful retirement and pursuing their other goals by understanding how financial planning issues are related to each other through wealth. He has research published in the Journal of Financial Planning related to retirement planning. 

Larry has served on the Board of Directors for the Financial Planning Association of Northern California, and has appeared in nationally syndicated articles and on nationally syndicated radio. He currently has syndicated columns that appear online at Forbes, Morningstar, The Motley Fool, Business Insider, the Online Investor, and many more.

Larry is a member of the Academy of Financial Services. Larry is also a member of National Association of Personal Financial Advisors (NAPFA), a national association of Fee-only advisors.

His hobbies include reading and travel, especially to El Salvador where he met his wife, Rosa Maria Cáceres. They live in Rocklin, CA and have four children and seven grandchildren.

They speak spanish in their home. Ellos hablan español en su hogar. Larry's blog can be found here.


BS, Physics, University of Minnesota
MBA, Corporate Finance and Investments, University of South Dakota

Assets Under Management:

$30 million

Fee Structure:


CRD Number:



Disclaimer can be found here.

All Articles
Sort By:
Most Helpful
June 2017
    Personal Finance
August 2017

All Answers
Sort By:
Most Helpful
    Social Security
Do I qualify for supplemental social security income?
64% of people found this answer helpful

You would receive either benefit, but not both. Your benefit letter may tell you which benefit you're receiving. It wouldn't hurt to schedule an appointment ( )at your nearest SSA office for them to explain what benefit you're receiving and if there may be another benefit you may be eligible for. Or you might try their "Benefit Eligibility Screening Tool" .

You see, Social Security Administration (SSA) doesn't know, or contact you, to tell you what benefits you may be eligible for. You need to go in and have them evaluate your situation to see if another benefit may be available based on when you started your current benefits, what benefit that might have been, and what other factors may apply now that you are over your Full Retirement Age. There is no way to answer this without knowing all your life's details and how those may affect any, or all, benefits. SSA can tell you.

"How do Social Security benefits and Supplemental Security Income (SSI) payments differ?

The two programs are financed differently.

Employment taxes primarily finance Social Security retirement, survivors and disability insurance benefits.

Generally, we pay Social Security benefits to eligible workers and their families, based on the worker’s earnings.

Meanwhile, general taxes fund the SSI program, which serves the needy. SSI eligibility depends largely on limited income and resources."

Quoted from:

March 2016
    Annuities, IRAs
Should my mother roll her IRA into a fixed annuity?
61% of people found this answer helpful
March 2016
    Debt, Personal Finance, Real Estate
How would a mortgage pre-approval vs pre-qualification affect my credit score?
59% of people found this answer helpful
March 2016
    Marriage / Divorce, Social Security
Am I eligible to file for my ex-husband's benefits before he files them himself?
50% of people found this answer helpful
March 2016
    Retirement, Social Security, Taxes, Income Tax
Do I have to pay income tax?
50% of people found this answer helpful
March 2016