Hardy Eubanks, Fee only Financial Planner, Fee only Financial Advisor, Financial Planning in the Pensacola, Milton, Pace, Gulf Breeze, Navarre and Northwest Florida area.

 Hardy Eubanks, Fee only Financial Planner, Fee only Financial Advisor, Financial Planning in the Pensacola, Milton, Pace, Gulf Breeze, Navarre and Northwest Florida area.

Financial Planning Pensacola, FL


A More Personal Approach

Our goal is to develop long lasting relationships with you and your family so we can help you meet your long term financial goals. This is important because it allows us to understand your individual situation, make recommendations, and adjustments as your needs change.

We know that our client's lives are constantly changing, whether it's a new job, retirement, a new home or other life changing events, your portfolio and your financial plan should reflect these changes. We want to be there for you every step of the way to help you navigate the often complex life changes that will affect your future.

Hardy Eubanks has recently served as Treasurer on the
for the
Manna Food Pantries.

MANNA Pantries is a short-term emergency food distribution organization. MANNA serves more than 40,000 people in Northwest Florida annually through its network of distribution sites spread throughout Escambia and Santa Rosa counties.


Fee Only, Independent, Integrated Financial Planning
Cash Flow Planning · Education Planning · Estate Planning  · Tax Planning
 Charitable Giving · Insurance & Annuity Evaluations · Investment Advice · Financial Independence Business Planning · Social Security & Medicare Planning · No Commissions · No AUM Fees.


Our Mission:   To act as a Fiduciary in providing true, fee-only comprehensive
                        financial planning services to company employees – one individual at
                        a time.

Our Passion:  To empower employees to act by providing comprehensive financial
                        planning services
through an Employer-Provided arrangement -  at
                        no costs to employees.

Wealth Building Strategies

Help setting your financial planning goalsHardy N. Eubanks, III, CPA/PFS,CFP® is the principal of our firm. Hardy has been providing straight answers and sound financial advice for more than 30 years to individuals, families and business owners throughout the Milton, Pace & Pensacola, Gulf Breeze areas of Northwest Florida and the Gulf Coast Regions.

What is a financial plan?
A financial plan is an in-depth review of your financial situation, taking into account your goals and objectives and focusing on income tax planning, specific investment recommendations, estate planning, risk management, educational planning, and retirement planning. A financial plan analyzes and recommends ways that you can achieve your financial objectives.

Don’t Be Just Another Account.
The single biggest complaint investors have about their current relationship with their Financial Advisor is that they feel like a number. They seldom get the personalized service they deserve.

When you work with Hardy Eubanks and UBX Financial Freedom you will experience the difference it makes to have a knowledgeable Advisor who truly understands you and cares about helping you meet your needs and achieve your goals. Experience a more personal approach to integrated financial planning and investing. To us you will never be just another account. How can we help you reach your goals?

Working With an Independent Fee-Only Advisor
Hardy Eubanks and UBX Financial Freedom is an independent Fee-Only investment management and financial planning firm. We provide personalized ongoing or hourly based financial planning and investment management services to:

  • Individuals and Trusts

  • Families, Guardianship Accounts and Settlements

  • Women in Transition

  • Retirement Strategies for Retirees & Pre-Retirees

  • Small Business Owners and Retirement Plans

  • Financial Planning for Physicians & Medical Facilities

More and more individuals and families are using the services of fee-only independent advisors to help them with their personal financial plans and investments. The reason for this trend is simple, with a fiduciary, fee-only advisor you have a dedicated and unbiased professional that not only has your best interest at heart, but also adheres to the highest standards of ethics within an industry plagued by frauds and glorified salespeople.

Contact us to schedule a no-cost, no-obligation initial consultation. We’ll talk about your financial concerns and objectives and the solutions we provide. If we decide we would like to work together, we can talk further about helping you take the worry out of your financial future and helping you achieve the financial independence you desire.


Call us to explore how we can help you at 850-324-9520.


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