Financial Services

FINANCIAL SERVICES


We are here to help individuals, families and business owners organize their finances and have a well-thought out plan for the future. We assist in planning for your retirement and keeping your family safe with proper protection from life’s ups and downs. We provide professional, top-notch service by meeting with you occasionally and adjusting your plan as necessary. We also have a network of attorneys and CPAs to whom we can refer you if necessary.

Come check us out and see if we are a fit for your situation.  Call or click to find a time to meet us.  Remember, the first meeting is always at our expense.  No one cares more about your financial well-being than you do- we would like to partner with you in your journey.

Baer Financial Services Process

Areas of Financial Planning

Six Areas of Financial Planning

It’s not what we know; it’s what we do with what we know.


Financial Position



  • Know you current net worth

  • Track your current income and expenses

  • Manage debt

  • Project your future net worth, income and expenses

Risk Management



  • Insurance Review

  • Provide for survivors in case of premature death

  • Replace earnings power if disabled

  • Protect your ability to meet your accumulation and education goals

  • Guard against unforeseen liabilities

Investment Planning



  • Create and maintain an adequate cash reserve

  • Provide for education expenses

  • Purchase a home or vacation home

  • Review your investment portfolio

  • Determine asset allocation and diversification

Tax Management



  • Minimize federal and state income taxes

  • Project future income tax liabilities

  • Develop long term tax planning strategies

Retirement Planning



  • Retirement Income Planning

  • Ensure adequate retirement income

  • Project the impact of an early retirement

  • Utilize strategies for pensions and other qualified plans

Estate Planning



  • Determine exposure of estate and inheritance taxes

  • Outline appropriate estate planning vehicles

  • Take care of loved ones

  • Review potential tax benefits related to estate planning

Tim Schiefelbein, CFP®

608.830.5848
timothy.schiefelbein@securitiesamerica.com

Certified Financial Planner
William Mowbray, ChFC®

608.830.5809
william.mowbray@securitiesamerica.com

Chartered Financial Consultant


Baer Process

PROCESS

Build and Maintain Relationships
Analyze and Assess the Current Situation
Execute a Plan
Review Periodically

Baer Financial Services Process

“Anytime I want to make a change or achieve anything in my life, I write it down, along with my plan to accomplish the goal and when I will achieve it.”
– Shad Helmstetter

Services Menu & Fees

FINANCIAL SERVICES MENU & FEES


Advisory Asset Management Fees%
Above $5,000,0000.75
$1,750,000 - $4,999,9991
$750,000 - $1,749,9991.1
$250,000 - $749,9991.2
Less than $250,0001.3

Financial Planning ServicesFees
Standard Financial Plan$1,500
Re-visited Financial PlanFee varies by complexity
Additional Planning Needs$150 hourly fee

Financial Planning ServicesAsset Management Services
Comprehensive financial planningInitial risk assessment
Estate planningEstablishment of goals
Discovery and goal definition meetingInvestment management strategies
Collaboration w/ other professionalsDue diligence and research
Insurance planningScreening of investment funds
College planningScreening of money managers
Advice on assets not managedOn-going consulting
Cash flow managementBack-office support
Income distribution planningPortfolio re-balancing
Tax planningPeriodic risk reviews
Legacy planningPerformance reviews
Long term care planningAccount consolidation
Social security planningRetirement planning

Financial Services Team

Licensed in the following states: WI, IL, CA, GA, MN, OR, SC, MI

Securities offered through Securities America Inc., member FINRA (finra.org) / SIPC (sipc.org). Advisory services offered through Securities America Advisors, Inc. Baer Insurance Services, Inc. and Securities America are separate companies. Investment related emails must be sent to the Securities America email address.

FINRA BrokerCheck available at http://brokercheck.finra.org/.


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