Baehr Family Financial can work with you in a variety of ways; with an open retainer, a financial review, or something in between.

The core planning method for Alliance of Cambridge Advisors like Baehr Family Financial is the Open Retainer.

Ongoing peace of mind and a high level of service is the advantage of the Open Retainer. The Open Retainer with Baehr Family Financial supports your financial life throughout the year.

Accessibility

Not only do you have regularly scheduled tax and financial reviews, but you can call or schedule an appointment whenever an unexpected problem or new opportunity arises--and it won't cost you a penny more.

Appointments

There is a lot of work to be done during the first year. We will systematically review every aspect of your financial situation and make appropriate recommendations.

Taxes

Your tax-related appointments may include income tax preparation, amending prior tax returns, and tax planning for the current year and beyond. Many clients find that the tax savings realized during these appointments more than cover the cost of their retainer. To maximize your tax savings in future years, we may also schedule a record keeping appointment to get you up and running on an easy-to-use system.

Portfolio Review

During the portfolio inventory and analysis appointment, we will work with you to construct a detailed listing of your assets, liabilities, and investments.

Insurance

For your insurance review appointment, we will want to see all of your existing insurance policies and employee benefit handbooks. To the extent allowable by law, we will take the time to make sure that you understand your existing policies and provide any recommendations for changes.

Estate Planning

During your estate planning appointment, your will or trust (if you already have one in place) will be reviewed to make sure it is current and consistent with your goals. If it is not, or if getting a will or trust has been on your to-do list, we will work with you to put the appropriate plan in place--and make sure that you understand what you are getting.

Goal Setting

Goal setting is a critical appointment in the holistic financial planning process. ACA members consistently find that when clients identify what is most important in their life, they rarely select "things." Instead, it is almost always doing what they most want to do, with the people most important to them, in the places they enjoy the most.

Investment Strategy & Implementation

Once we have defined financial independence in your unique terms, it's time to  fully focus on the strategies and vehicles that will allow you to live out your dreams.

Ongoing Advice

It may take six months or more to complete the initial holistic review, but your relationship with us doesn't end there.  We will continue to review each area of your financial plan on a regular basis, making adjustments as needed.  And, of course, you have open access to us whenever you have a question or there's a change in your situation. Together, we will craft a plan that can handle whatever life throws at you.

Value-Based Pricing

We are committed to providing value that exceeds our fee. If we do not believe that you will realize a good value for your fee, we will suggest a planning option more appropriate to your situation, such as the financial review.

 

Other Ways We Can Work Together

 

Financial Review

Baehr Family Financial offers a Financial Review to help you focus more on living your life and less on worrying about money matters. The Financial Review addresses your immediate financial issues with written recommendations to help you move forward. The review is offered at a onetime fee. The review may also be an introduction to a full service relationship with Baehr Family Financial. We can discuss your next steps at the end of the process.

It Depends on Your Needs

The Financial Review is an overview of your financial progress and a review of specific aspects of your financial situation at a single point in time. The Open Retainer is a long-term relationship to help you stay on track and keep on top of things that might otherwise fall through the cracks.

Above All, We're Flexible.

Different clients have different needs.  In some cases, you might have specific planning issues that require customized services.  Baehr Family Financial offers options for those occasions where extensive research is required. The fee is determined by evaluation the scope and complexity of the project.

Just a Few Quick Questions?

We can schedule limited work sessions for those times when you have a few questions that don’t require in depth research, such as "Building a Solid Foundation" for new college graduates or couples just starting out, or parents overwhelmed by the college financial aid process.  These sessions are handled on an hourly fee basis. 

 

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