You define what success means to you... and we help you get there

1. Meeting you and getting to know you

When we meet you, we work on getting to know you. With this step we work to know who you are as an individual. Among the information and insights gleaned from this step are your age, occupation, hobbies (if any), passions, etc. Gleaning your degree of familiarity with investing will be no less important in crafting a ‘big picture’ view of your finances.

2. Understanding your needs and goals and completing a risk assessment

Bargeld Financial builds on information about who you are to understand your needs and goals. In step two, we follow assessment of your needs and goals with assessment of your risk tolerance. No two people ever have the same risk tolerance. Factors such as your age, your investment goals, your cashflow needs, your available income streams, and your proposed—or even contemplated—retirement age, would give you a unique risk tolerance score. With your responses, we will ascribe a numerical value to your risk-tolerance level. Once this step is complete, we transition to completing a needs-centered custom report for you.

3. Building a needs-centered custom report for you

Your custom report will flow from a determination of your current financial situation and financial goals. This report will state your goals, your investment schedule and any other restrictions and constraints you place on any investible assets. In completing this step, we will draw on information you provide in your investment policy statement (IPS). Your creation and presentment of an IPS indicates existence of a thought-out plan for supporting your long-term success. In instances in which an investor is missing, or needs assistance formulating, an IPS, we will work with you, the investor, to create an investment plan in conformity with your investment goals and all pertinent client-centered needs and goals.

4. Completing financial planning and analysis

The financial planning and analysis step will see the crafting of your investment plan, and the creation of actionable steps for implementing this plan.

5. Implementing your portfolio and managing your portfolio on an on-going basis

Finally, we will work with you in implementing your investment plan. And, we will monitor your portfolio on an on-going basis. Monitoring your investments includes the following:

• Discretionary Asset Management

• Manager and Strategy Selection

• Asset Allocation

• Portfolio Rebalancing

• Tax-Loss Harvesting

• Monitoring and Portfolio Maintenance

• Consolidated Performance Reporting and

• Cash Management

With our client-centered approach to investing, working to understand your needs and goals and completing a financial risk assessment are just the beginning of our working with, and for, you. Completing financial planning and analysis for your is just another step in our stepping with you on your lifelong financial journey...because, as a fiduciary adviser, we take great pride in keeping you and your interests above all else in our investing and asset management activities. We will work with you to help you better understand, and address, your financial needs

The process of our establishing and maintaining a client-Advisor relationship involves the following:

Fiduciary Adviser

• A fee-only financial adviser is an adviser that is paid directly by you, the client.

• This means that Bargeld Financial does not earn commissions from other sources for selling you financial products.

• This fact only strengthens our position in our fiduciary commitment to always putting your interest ahead of all else.

• Meeting you and getting to know you

• Understanding your needs and goals and completing a risk assessment

• Building a needs-centered custom report for you

• Completing financial planning and analysis

• Implementing your portfolio and managing your portfolio on an on-going basis

• Bargeld Financial is a fee-only financial adviser.