Investment & Asset Management

Being a Fiduciary…in a few words

Being a fiduciary means an investment adviser putting the client’s interests above all else.

More on our being a fiduciary

A cardinal component of Bargeld Financial’s asset management services is our commitment to defending our fiduciary duties, which pronounce putting your interests above all else, including our own interests. This means that, as we act both as your Chief Financial Officer (CFO) and your Chief Investment Officer (CIO), we do so with your needs being at the center of our work.

We use your Investment Policy Statement (IPS) both as a living document and a GPS guiding our discretionary management of your investments. So, in all matters regarding management of your assets—including our collaborative work with all of our partners—we act only in a manner affirmative of the duty of putting your interests above all other persons’ interests. So that, even in an action holding a potential conflict between your best interests and our best interests, we must, and will, act to ensuring protection of your interests.

What else?

An advisory relationship is exactly that…a relationship. This means we will always be available to do the following:

· Listen to you and understand changes in your needs,

· Monitor changes in your posture, as relates (to) your risk tolerance (level), changes in your cashflow needs, changes in your asset mix, etc.,

· Balance your liquidity and cashflow needs in a manner compliant with your investment goals and investing actions,

· Assess the balance between your assets and liabilities and make recommendations for managing various aspects of your financial wellbeing, and

· Provide consolidated reporting on your portfolios

Where is my money really invested?

Our investment portfolios may comprise one, or a combination, of the following:

· Open-end funds (or mutual funds) and closed-end funds,

· Index Funds such as Exchange Traded Funds (ETFs),

· Individual Securities

What if I wish to invest in non-US securities?

For investors for whose investment goals and risk tolerance exposure to international investment vehicles may be pertinent, assets may be invested in American Depository Receipts (ADRs), which are US-dollar-denominated international (that is, non-US-originated) investment instruments.

What Else Does Being a Fiduciary Mean?

If being a fiduciary means putting our clients’ interests above all else. Then being an

independent advisor means having at our disposal all the tools necessary for ensuring your interest always come first. Being an independent financial adviser makes certain we are not obligated to anybody but you, our client. With this, we are able to constantly examine how we can do more for you, and take steps to follow through on such assessment without bondage to anyone.

Because our professional relationships are strategic partnerships centered on delivering on your investment goals and your investing and resource management needs, we are also able to constantly evaluate the value our partnerships provide to you, and make pertinent decisions on maintenance of such partnerships. So, being an independent financial advisor simply gives us the ability to act in your best interest without undue pressure from anybody.

Asset Management Fees

We have a flexible blended-tiered asset management fee structure. For our asset management services which put you in the care of a team of experienced institutional wealth management partnerships, you will pay a management fee ranging between 0.3550% and 1.8500% of Assets Under Care (AUC/AUM).

Clients with invested assets totaling at least $250,00.01 receive comprehensive financial planning services at no additional cost.

Assets Under Care (AUC) Tiers, and Blended-Tier Fee Schedule

Because, as a Fiduciary, we do not just work with you...we care about you

AND

Because it's a mistake for you to work for your money and not have your money work for you

Because money can grow...but only through prudent investing

Because choosing a Fiduciary means putting your interests first

Because yesterday was the best time to invest...and today is the second best

Because the question 'Do I first save a lot of money before I invest?' is a "Chicken-vs.-Egg" dilemma

AND

AND

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