Purpose.
Understanding.
Transparency.
The Bayer Financial Group helps individuals, families, and business owners understand what they own, why they own it, what it costs, and how their financial plan supports the life they want to build.
Do What You Say.
When You Say
You’ll Do It.
Matt Bayer founded The Bayer Financial Group to create his own front door—one that would let the best parts of the financial-services business in and keep the parts he did not trust out. That decision shaped a firm built around independence, education, responsiveness, and long-term relationships.
The BFG Team brings over 100 years of combined industry experience to clients across the country. Technology makes distance easy; disciplined follow-through makes the relationship work. BFG’s standard is straightforward: do what we say we are going to do, within the timeframe we promise.
Meet Matt and the BFG Team
Fee-Based & Commission-Based
Matt explains conceptually the difference between varying cost structures with a focus on what true total costs may look like using one or a combination of styles. Reference to time frames and costs may vary from examples given, especially as investment choices change.
What Does Fiduciary Really Mean?
Best-interest obligations are a baseline. Process, choices, costs, communication, and ongoing service show how the relationship works.
Every Dollar Should Have a Job
Purpose-driven investing means every dollar in your plan has a defined role — and you understand what it is.
More Choice. A Better Fit for Each Dollar.
Fee-based and commission-based accounts are different ways of structuring an investment relationship. BFG offers both because different dollars have different jobs. Money needed in the near term should not be handled the same way as money intended for retirement income, long-term growth, or a legacy.
Matt evaluates purpose, timeframe, risk, liquidity, ongoing management needs, and total cost before recommending a structure. BFG does not force every client into one compensation model or limit the plan to a narrow product shelf.
The goal is to use the combination of tools that best supports the client’s objectives—and to explain how BFG is paid before a decision is made.
Fee-Based Advisory
- Ongoing advisory fee for management and service
- Investments may also carry internal expenses
- May fit assets requiring continuing management and review
- Cost continues while assets remain in the advisory relationship
Commission-Based Options
- Compensation relates to a product or transaction
- Terms and costs vary by investment
- May fit a specific purpose that does not require the same ongoing advisory structure
- Client receives an explanation of compensation and product costs before deciding
Low Cost Is a Factor.
It Is Not a Financial Plan.
ETFs and low-cost funds can play a valuable role in a portfolio. But a lower expense ratio does not automatically make an investment better, safer, or more appropriate for a client’s goals. A collection of inexpensive investments is still not the same as a purposeful strategy.
Look Beyond the Label
We evaluate what an investment owns, how it behaves, and what risks it carries.
Understand Total Cost
Price matters in context, including internal expenses, services, and ongoing management.
Match the Investment to Its Job
Timeframe, liquidity, income, growth, and legacy needs shape the recommendation.
Know Why It Belongs
An investment earns its place by supporting a defined objective—not simply by carrying the lowest advertised price.
A Plan Built
Around Your Life,
Not a Template.
A strong financial plan begins with a brief, confidential intake form and a conversation about where you are today, where you want to go, what risks could get in the way, and which tools may be appropriate for the job.
See Our Full ProcessDiscovery
We begin by listening. Your goals, concerns, income needs, family priorities — before any recommendations.
Analysis
We evaluate your investments, risk exposure, costs, retirement timeline, and income sources.
Strategy
Recommendations designed to move you toward defined objectives while matching investments to purpose and timeframe.
Implementation
We put the plan into action — explaining each step so you know what’s happening and why.
Partnership
We review, communicate, and adjust as markets, laws, and life change.
“The families who arrive at retirement with clarity and confidence started planning well before the date arrived.”— Matt Bayer · The Bayer Financial Group · Kettering, Ohio
Good People. Real Goals.
Relationships That Span Generations.
No Artificial Asset Threshold for a Conversation
Matt has never believed a single asset threshold should decide whether someone deserves a conversation.
Built to Grow With You
Some early relationships grew significantly, and many clients have introduced BFG to parents, children, friends, and colleagues.
A Complimentary Conversation
Tell us what brought you here, what you hope to accomplish, and which questions you want answered.
Start With a
Brief Intake Form.
Share a few details to give our first conversation useful structure. A member of the BFG team will follow up using your preferred contact information.
Please do not submit Social Security numbers, account numbers, passwords, or other sensitive financial information.
(937) 432-6585 · help@bayerfinancialgroup.com
Monday–Friday, 9am–5pm EST