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Bargeld Financial is a team of Financial Professionals serving natural and legal persons, including small business owners, as their Fiduciary Advisor.
Start, or Continue, your Financial Journey with Bargeld Financial because at BARGELD, we Raise the BAR on Supporting Individual and Community Financial Growth
TAKE THE NEXT STEP IN YOUR FINANICAL JOURNEY BECAUSE...
Our Vertically-Partnered Client Engagement Approach Entails
Risk Tolerance Assessment
Financial Planning and Analysis & Suitability Determination
Portfolio Implementation & Monitoring
Post-Implementation Client Relationship Maintainanance
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If you currently enjoy financial freedom, smoothing your consumption into, and through, retirement will require risk-mitigation steps to maximize your chances of maintaining your lifestyle in the instance of shock to your resources due to systemic or non-systemic factors.
And, if you are, however, currently "walking a [financial] tightrope,” you would need a secure harness to decrease the chances of the winds of change—systematic, systemic, familial, individual or otherwise—knocking you off balance.
It is true, "Money doesn't grow on trees."
It is also, however, true that investing is the sole additive—and possibly multiplicative—value-enhancing way through which money ever grows.
A security is, for example, an “Investment of money in a common enterprise, with a reasonable expectation of profits to be derived from the efforts of others” (SEC v. W.J. Howey Co., 328 US 293, 1946).
While it is true that "Money doesn't grow on trees," investing in securities is the only means through which you, a natural or legal person, can get professionals to work for you, whose job it is to grow money.
If you never plant, you never have to worry about your harvest.
A report from The Alliance for Lifetime Income posits "a record 11,200 Americans a day turn 65," bringing to approximate 4.1 million the number of people turning 65 annually.
Based on the U.S. population pyramid, there is, on average, an ever-increasing number of people aging into senior citizenship annually.
Applied to the context of resource management for senior citizens, the "Crowding-Out" model bespeaks an ever-increasing financial burden on retires, the particularities of adjustment to fiscal policy affecting senior citizens, notwithstanding.
This can only mean one thing: That, regardless of one's station in life, the responsibility to prepare for old age is one individuals must take seriously.
Retirement is not just about saving money for consumption smoothing in old age...it is about reflecting on, and appreciating, the gifts your old, wise, retired self will receive from your young, engaged self.
Even youth and idealism are not sufficient reasons for an individual meeting old age unprepared.
You plan as you go. And to increase your chances of “crushing” life in your wise years, you rely on Bargeld Financial because at BARGELD, we 'Raise the BAR' on Supporting Individual and Community Financial Growth.
The complexity of the US tax code and attendant regulation and policy implementation processes sometimes deprive people of the chance to appreciate the heft seemingly simple decisions on taxes can have on a person's life and livelihood. For simple conceptualization of gain and loss with certain taxation-related postures, let's examine the following simple thought experiment.
Image we live in a world in which Walmart is the sole business, and the singular authority on the disbursement of money. In this world, Walmart does not give customers change for purchases, except on a single day following the end of the year…”[April 15, say]”…when Walmart reconciles its books and settles accounts with its customers. In this world, all customers can self-select into one of two groups, Group A and Group B. Group A is for customers who get invoices for all purchases, and settle all invoices at the end of the year, with such settlement being synchronized with Walmart's reconciliation of its books.
Group B is for customers who always prepay their purchases in cash, and never get change for their cash prepayment. People in this group, instead, get the aggregate of their change at the end of the year, at the same moment interest-free-borrower-shoppers make their payment for their year’s worth of interest-free borrowing and shopping. If you lived in this world, in what group would you want to be?
At Bargeld Financial, we help you understand the tradeoffs and use advanced tax planning to put you in a position of greatest financial advantage while remaining compliant with your tax obligations.
On complying with tax law and regulatory directive, we are relative absolutists because we believe that in fulfilling one's tax obligations, discounting context can result in derelict actions that lead to deleterious consequences.
No two tax-compliance fact situations are the same. This makes every individual or corporate entity's tax needs particular and worthy of careful, contextual examination. Our financial services industry expertise can help you handle your tax needs and your business' tax obligations, as relate to your particular financial situation and needs.
Many times, a person can benefit from critical evaluation of an idea as opposed to winging implementation and tripping over "what ifs."
Our planning approach to project evaluation entails examination of all aspects of an idea, including financials and contextual constraints.
Our evaluation will result in a score and commentary meant to clarify various factors affecting implementation of a given idea.
Input from financial experts can ease the tedium of juggling many aspects of running a business.
And, assistance from Bargeld Financial may be all you need to elevate your business' performance.
We can complete tasks for you including doing payroll and maintaining your books.
Why Choose Bargeld Financial?
Client-Needs-Centered Asset Management
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At Bargeld Financial, the client's needs are at the center of all decision-making
Personalized Client Experience
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With the client being at the center of our decision-making, we are able to provide our clients personalized experience
Fiduciary Management
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Because Bargeld FInancial is a fiduciary, we always put our clients' interests above all else
Institutional-Quality Investments
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We present our clients only institutional-quality investments
Network of Vetted Professionals
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With our vetted-professional-partnerships, Bargeld Financail delivers resources, including products and services, that will bring value to one's financial journey
Benjamin earned a dual Bachelor of Arts (degree) in International Relations and German Studies from Stanford University in 2012, and completed his MBA in Finance, Strategy and Management, at Emory University’s Goizueta Business School, in 2022.
Benjamin has nine years of full-time work experience, with the bulk of his experience being in People Operations, educational staffing, employee management and program management.
Education and Certification
MBA, Finance, Strategy and Management, Emory University’s Goizueta Business School
BA, International Relations and German Studies, Stanford University
FINRA SIE, Series 7TO and Series 66 Licenses
PA domestic insurance producer license
Our Investment Advisor Representative
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Bargeld Financial provides comprehensive investment, asset management, risk-protection and tax solutions products and services for individuals and businesses
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