Frank Ortner is the founder of Fieldstone Financial and a career-long advocate for thoughtful, client-first financial planning. With over 30 years of experience in accounting, tax strategy, financial planning, and risk management, Frank brings a unique, integrated perspective to the advanced planning space.
I started my career as a CPA, focused on the details of taxes and financial reporting. Over time, I expanded into financial services — insurance, investments, and comprehensive planning — eventually co-founding a Registered Investment Advisory firm.
But one truth stood out: retirement isn’t an investment problem — it’s a risk problem. Markets boom and crash, policies change, and retirees are left exposed if their only strategy is growth. Once you stop working, you can’t “make it up” with another paycheck. That makes managing risks far more important than chasing returns.
That insight became the foundation of Risk-Based Retirement™. Today, through Fieldstone Financial, I work exclusively with families who are retired or approaching retirement to help them protect what they’ve built and live confidently, knowing the risks are under control.
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