Overview
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• Personal: Family records, budgeting, personal liability, estate information and financial goals.
• Tax & Cash Flow: Income tax and spending analysis and planning for past, current and future
years. We will illustrate the impact of various investments on your current income tax and
future tax liability.
• Death & Disability: Cash needs at death, income needs of surviving dependents, estate
planning and disability income analysis.
• Retirement: Analysis of your current strategies and investment plans to help you achieve your
retirement goals.
We will collect the pertinent data, conduct personal interviews with you, prepare computer-assisted
analyses of the financial data, and present a written financial plan to you based upon the objectives and
priorities stated by you. We will be available to help you implement the recommendations.
Implementation of the prepared plan or recommendations is solely at your discretion, and we encourage
you to utilize any desired professional or group of professionals to assist in the implementation.
CONSULTING SERVICES:
You can also receive investment advice on a more limited basis. This includes advice on only an isolated
area(s) of concern such as estate planning, retirement planning, life insurance evaluation, elder care
review, estate tax calculation, college education funding or any other specific topic. We provide specific
consultation
services regarding your current or projected financial position or other investment and
financial concerns that you have.
We do not sponsor or act as a portfolio manager for any wrap fee programs.
ASSETS UNDER MANAGEMENT:
As of December 31, 2023, Baker Financial had approximately $741,000,000 in assets, all of which are
managed on a discretionary basis. Baker Financial does not have any non-discretionary assets under
management.
PORTFOLIO MANAGEMENT PROGRAM FEE SCHEDULE:
Total Assets Managed Annual Fees
$0 to $249,999 $2,500 Annually
$250,000 to $999,999 1.000%
$1,000,000 to $2,499,999 0.875%
$2,500,000 to $4,999,999 0.750%
$5,000,000 to $9,999,999 0.500%
$10,000,000 and over 0.375%
Our fee for investment advisory services shall be what was agreed upon and executed at the initial
engagement meeting. We agree to notify you promptly if there is a rate increase in our fees. We also
retain the right to discount fees or negotiate the above fees to potential or current clients, all within our
discretion.
Our fee will be payable quarterly in arrears. Fees are calculated on the value of all assets under
management on the last business day of the quarter by multiplying the assets under management market
value by the above annual rate and dividing such product by four (4). New clients will be pro-rata billed
to the next valuation date based on assets placed with us.