Bargeld Financial is a team of Financial Professionals serving natural and legal persons, including small business owners, as their Fiduciary Advisor.

As a fiduciary, captive sales of any singular product may contravene our commitment to

ALWAYS PUTTING OUR CLIENTS' INTERESTS ABOVE ALL ELSE IN EVERYTHING WE DO

As a result, we do not hawk any captive-arrangement-product. We do, instead, sell only one thing:

Peace of Mind

SELF

Y

O

U

R

We would also appreciate the chance to reach out and see how we can best work together to help you reach your goals of:

FAMILY

LEGACY

P

R

O

T

E

C

T

I

N

G

We Can Reach Out to You, Should You So Wish

Check out our retirement calculator to better understand what you retirement savings could be:

Start, or continue, your financial journey with Bargeld Financial because at BARGELD, we raise the BAR on supporting individual and community financial growth. At Bargeld Financial, financial planning happens with an eye toward short-term, medium-term and long-term financial success.

Financial Planning and Analysis & Suitability Determination

Portfolio Implementation & Monitoring

Post-Implementation Client Relationship Maintenance

1.

2.

3.

4.

Take the Next Step in Your Financial Journey... Because, in one's Financial Journey, Being on Track Makes all the Difference

What will you do with your $2.4 Million?

Our Vertical Partnership Management Model Entails Integrated Systems and Processes, and Industry Professionals Committed to Helping You Attain Your Financial Goals

'No Tax on Tips Act.' What is it? How Will it Affect Me? What Can I do to Manage this Law's Possible Unintended Consequences?

Discover the Benefits of Investing Wisely

WHY INVEST AT ALL?

SAVING TODAY TO SAVE YOUR TOMORROW: RETIREMENT PLANNING IN THE CONTEXT OF DELIBERATIVE AND DELIBERATE FINANCIAL DECISION-MAKING

IS MY TETHER OR ANCHOR SECURE?: HOW DO I PROTECT MYSELF, MY LOVED ONES AND THE WORLD ARUND ME?

AVOIDING THE TRIP OVER 'WHAT IFS'

P.P.P.P.P.: WITH KNOWLEDGE, PLANNING AND TIMELY ACTION, THE "TAX MAN" MANY NOT BE "THE BAD GUY" AFTER ALL, BECAUSE "PRIOR PROPER PLANNING PREVENTS PROBLEMS"

FOCUS AND GROWTH: BUSINESS MANAGEMENT CONSULTING WITHOUT THE PRICE TAG

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 U.S. population distribution, 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.

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.

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.

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.

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.

Why Choose Bargeld Financial?

1.

Client-Needs-Centered Asset Management

At Bargeld Financial, the client's needs are at the center of all decision-making

2.

Personalized Client Experience

With the client being at the center of our decision-making, we are able to provide our clients personalized experience

3.

Fiduciary Management

Because Bargeld Financial is a fiduciary, we always put our clients' interests above all else

DUTY OF CARE

DUTY OF LOYALTY

DUTY OF GOOD FAITH

DUTY OF PRUDENCE

DUTY OF DISCLOSURE

DUTY OF CONFIDEN-TIALITY

Institutional-Quality Investments

4.

We present our clients only institutional-quality investments

Network of Vetted Professionals

With our vetted-professional-partnerships, Bargeld Financial delivers resources, including products and services, that will bring value to one's financial journey

5.

Objective Advice

6.

Because Bargeld Financial is a fee-only investment adviser, the client pays a flat fee, never having to worry about commissions

• 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 65 and Series 66 Licenses

• PA domestic insurance producer license

Our Investment Advisor Representative

Want a free consultation?

Please submit your details, and we will be in touch shortly. You may also email us at:

Note:

Please know that details you share with us about you and your business are kept confidential, per our Privacy Policy. Please click here, or click on Privacy Policy (at the bottom right hand corner) of this webpage, to download and review a more expansive version of our privacy policy.

Privacy Policy Regarding Telephone Numbers Shared with Bargeld Financial

1. OBTAINING CONTACT INFORMATION: We collect information, including the names, phone numbers and email addresses of prospects from people providing us their names, email addresses and phone numbers when visitors to our website fill out and submit forms inquiring about our services. We also get prospect and client phone numbers from calls we receive from people inquiring about our services. We additionally accept referral names and contact numbers of people who can benefit from the services we provide. We receive this referral information from current prospects and clients.

2. CONSENT TO RECEIVING SMS MESSAGES: By providing a telephone number and submitting this form, you are consenting to being contacted by SMS text message. Messaging & data rates may apply.

3. OPT OUT: You can reply STOP to opt-out of further messaging with Bargeld Financial. Our inbound SMS phone number is (610) 321-5756. You may reach us at any time via voice or SMS to inquire about our services, or to submit a 'STOP' messaging request. Additionally, replying 'STOP' to any of our messages will ensure you no longer receive messages from Bargeld Financial.

4. INFORMATION NOT SHARED WITH THIRD PARTIES: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.