Let’s pinpoint your Risk Number. We’ll go through a series of simple, mathematical assessments based on real dollars to determine how much you’re willing to risk (lose) in exchange for an opportunity at a specific gain.
In this 9 minute video, I'll go over the process and invite you to take our 5 minute risk survey.
Why Pay More for Less
Get Independent Investment Advice and Personal Financial Planning without the high cost, hidden fees, and conflicts of interest. Our only agenda is What Matters Most - to you.
BayRock advisors are fiduciaries, and they don't earn commissions—so you can trust they'll always put your interests first.
Investment advice tailored to your specific goals and based on BayRock's time-tested investment strategies.
BayRock partners with you and your advisory team to create a compelling financial plan.
With you every step of the way to help you stick with your plan over the long term.
Let's Make a Plan
Certified Financial Planner™ Professional.
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BayRock custodies assets with Charles Schwab.
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You pay lower fees because we have lower costs.
90 Day Money back guarantee
When you hire a BayRock CFP® Professional, before we charge you a planning fee, we will conduct a Gap Analysis. After that, we will give you a proposal and ask you to hire us. If at any time after hiring us, if you're not 100% satisfied with your planning experience, we will refund your fees for the previous 90 day billing cycle.
You'll have ongoing access to a CFP® Professional—all at your fingertips. When you have questions, you always get 1:1 advice—just call or email our team, or schedule a video chat with CFP® Professional today.
Tax Efficient Planning Strategies
Hire BayRock CFP® Professional
Save More Money,
Pay Lower Taxes, and
Build a Better Retirement
Build a Better Retirement
Hire BayRock CFP® Professional
Save More Money,
Pay Lower Taxes, and
Build a Better Retirement
Stay on Top of Your Financial Plan
Hire BayRock CFP® Professional
Save More Money,
Pay Lower Taxes, and
Build a Better Retirement
BayRock offers 3 Pricing Levels for Subscription-Based Financial Planning. Get started with our Wealth Builder (level one) with no up front cost.
Smarter Strategies and Better Results
It Starts Here:
The Gap Analysis
Retirement Planning
Some people want to work the rest of their lives, but others eagerly anticipate retirement so they can travel and devote more time to hobbies, their families, and some important causes.
The Retirement Gap Analysis:
When can I stop working?
How can I reduce my tax bill?
Where can I improve my Investments?
Risk Management
We deal with many risks, ranging from minor car accidents to catastrophic injury or death. All of us need adequate property and casualty insurance, as well as life insurance. In addition, we need to consider other ways to lower our risk.
Experiences of long-term illnesses and disability can cause severe financial hardships, and they can be a burden on those we love. Some of the pain can be alleviated with properly planned insurance.
Educaton Planning
It is important to start putting money aside for college as early as possible. There are many options, each with specific features. Education planning can be challenging because of the complexities of tax considerations, management fees, parental income limitations, and other issues. For example, some accounts charge a penalty if the money isn’t used for college costs.
Saving money, borrowing money, and financial aid are some obvious ways to pay for college. As you plan, remember that the inflation rate for college expenses is higher than the rate for other goods and services.
Estate Planning
Estate planning is a process that determines how to distribute your property during your life and at your death according to your goals and objectives.
Without advance planning, more of your assets may go to the federal government in taxes instead of going to the people you love.
Tax Planning Strategies
The goal of tax planning is to minimize federal income tax liability while maximizing the after-tax return on investments. Typically, deferring some income in a 401k, 403b, deductible IRA, or other tax-advantaged accounts reduces taxable income. Roth IRA’s are excellent vehicles for many Americans to save for tax-free income.
Each person’s tax planning strategy is based on individual income and should include solutions that defer taxes and offer tax-free growth whenever possible. Some individuals need expert tax advice in order to design the best strategy, but standard solutions work well for most people.
Investment Strategies
Almost limitless choices are available to every investor. Your strategy must be designed to get the highest return within your tolerance for risk and your time horizon. No one can guarantee a profit or protect against a loss in a declining market, but diversification limits risk, and dollar cost averaging (using automatic deductions) takes some of the guesswork out of investing.
Asset allocation is the most important step in diversifying your portfolio. You can balance risk and return by spreading your dollars among different types of assets, such as stocks, bonds, and cash equivalents. Different types of assets carry different levels of risk and potential for return, and these investment vehicles typically don't respond to market forces in the same way at the same time.
A long-term strategy will help you ride out the ups and downs of the market to build a sizeable investment account over your time horizon.
Cash Flow Planning
Cash flow (or budgeting) is a process to measure, plan, and prioritize your spending and saving.
Your commitment to financial success requires a clear strategy for managing all aspects of your income and expenses. An analysis of cash flow is the starting point in any financial strategy.
We will help you analyze your current financial position honestly and realistically, clarify your goals, and develop a clear financial strategy.
On an annual basis, we measure your progress.
