Planning For You
Working Together To Properly Prepare You For The Road Ahead
With over 27 years of planning experience and a client retention rate of 98%, Matt Bayer has designed a planning process that creates an enjoyable experience from the first consultation. “Starting and/or making changes to your financial plan can be an intimidating hurdle filled with emotion. We try to create an environment where new and old investors feel they can talk openly about their experiences without being judged.” explains Matt Bayer. “It’s not our job to focus on the problems of the past, but create a path to future success based on where our clients are today.” The planning process outlined below will help to illustrate BFG’s path for success.
Meeting #1: Initial Consultation (Complimentary)
The Initial Consultation is designed to be a “Howdy-Do”. It gives us both a chance to get to know each other and make sure we can stand being in the same room. You will receive a Confidential Questionnaire to fill out prior to this meeting. This questionnaire is designed to help put your thoughts and ideas on paper, give a thumb-nail view of your situation and give the meeting structure. No recommendations will ever be given during this meeting. This is your chance to ask questions of a financial professional without cost. This meeting is the foundation or our relationship.
Meeting #2: Data (Complimentary)
This meeting is a more detailed Fact Finding session. You have typically been given homework at the Initial Consultation to gather statements, tax returns, budget numbers, etc. This is where Matt’s 27+ years of experience really gets to work. He will go through your situation with a fine tooth comb until all the issues have been addressed and understood. This meeting may be spread over more than one session if necessary. No recommendations will be given during this meeting. This meeting dictates risk exposure/tolerance, liquidity needs, time frames, current cost analysis, estate needs, income, etc.
Meeting #3: Recommendations (Complimentary)
This meeting is where all the previous discussions come together in a plan for the future. Matt will go through his recommendations in a very detailed manner outlining costs, benefits, liquidity, estate protections, risks, income etc. Most people comment that this is when Matt puts on his teaching cap to help make his clients understand the “Why” of his recommendations and “How” the accounts are used at different times of life. It is not uncommon for these recommendations to include previous holdings. In cases where positions seem to be worth keeping, representative and broker/dealer changes allow BFG to manage existing holdings. It is Matt’s goal to only recommend changes that reduce overlap, over-funding, lower tax burdens, protect the estate, lower costs and are deemed necessary to accomplish the client’s goals. No one is expected to make a decision at this meeting. A lot of information is covered and it is preferred all prospective clients take time to review the recommendations and develop questions before implementation.
Meeting #4: Client Implementation
Congratulations to you for becoming a BFG client! Congratulations to us for doing a good just of understanding your needs and putting together a plan that gives you confidence to form a long-term relationship with BFG! Matt will work with the BFG Service Team to fill out the appropriate forms to get any accounts established. Transfers will be initiated from our end and tracked daily. Once all of the accounts are established, a meeting will be scheduled to go through account summaries, statements and any other correspondence that may have been received. This is just the beginning. There is no end to the planning process. Events affecting you, your family and work will create needs for periodic adjustments and continued client service.
Continued Client Service:
We have taken the time to begin a relationship and put all the pieces in place to move us down the path to success. As one famous person said, “Life is something that happens to you while you are planning to do something else”. We service our clients based on this statement. The more we know what is going in your life and the more you know what is going on at BFG, the greater the chance we both have of having success in this relationship.
Typical Service Calendar:
- 2-4 Client Reviews (detailed meetings with Matt)
- 2-4 Client Contacts (email/phone call to touch base/check on changes)
- Monthly Newsletter (optional)
- Invites to Client Appreciation Events
- BFG Benefits Membership
The goal is a Proactive, NOT Reactive, Relationship.
Client Testimonials
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Matt continues to be the man I trust with my money as I have since he started his business. I also appreciate Matt's caring and professional support staff.
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I have been with Matt since 1997, before he started his own business in 2001. I started with Matt prior to my retiring in 2003 with the sole intention of getting my finances in order for retirement. I have been well pleased with the results over the years and have confidence in Matt's abilities as a financial adviser/manager.
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W. and J. Hawkins – Miamisburg, OH
As older customers we are needing to know how to make our money last as long as we do. Matt is very considerate to ask how things are going or if we need additional cash from our accounts. Also, talks about things to think about regarding our overall plans; taking into consideration our age. Thanks Matt.
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Been with Matt for almost 12 years and it was the best move for me. Thanks.
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Matt made our move to Colorado a huge success through his financial advice. We feel as though the level of service is still high quality even though we are across the country from his office!
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BFG/Matt Bayer put our minds at ease by explaining investment strategies and giving us the solid support that we were looking for. Matt directs us throughout the investment process continuously and is always there for us personally. With BFG we can be confident that our hard earned investment dollars will be wisely invested and cared for as if it were their own.
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I appreciate your awareness concerning communication and the willingness to hear the brutal truth. That statement implies an open mind to improvement, if necessary. This gives me confidence in your studies and one-to-one care for my best interest. You have a watchful eye on the stock market and my needs. Thank you.
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Sometimes people feel uncomfortable about engaging a financial advisor. This can be for a number of reasons. Matt makes the client welcome and comfortable right from the start. He sort of demystifies the entire process.
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I was impressed with Matt from the first day we met. I was a referral and still several years away from retiring but Matt would meet with me at any time and guide me in my money matters, never charging me anything or even knowing if I was going to move my retirement money over to him to handle when I finally did retire.
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I am one of Matt's brothers so naturally I am a bit bias, but I will tell you this, I have never lived in the area so I am looking at things from a remote perspective. Matt and his team have never excluded me from any activities or financial opportunities that are offered to his local clientele. They contact me on a regular basis and constantly send me information on the market and investment needs.
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Matt was great getting me out of a stressful financial situation and advised me well how to protect myself and money problems in the future. I thank him every day!
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Peter and Megan Cotugno – Redondo Beach, CA
It has been a pleasure working with The Bayer Financial Group. Although we are separated by 2,200 miles, the impeccable service offered by The Bayer Financial Group has remained as resilient as ever. Thanks for everything, all the way from California!
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My relationship was good from the start, really made me feel good about my situation. I was surprised with his knowledge of the business. If you need help, count on Matt to be there for you... the staff are very friendly and right on.
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Matt Bayer and his financial group are very client conscious. They always try to meet with clients every 3 months to review accounts and keep clients informed of investment changes in the market. Matt is pleasant to work with. From 1-10, Matt gets a 10.
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Louis and Bonnie – Kettering, OH
Our association with Matt Bayer and The Bayer Financial Group began in 2004 after my husband lost his job due to manufacturing plant closure. Matt rolled his existing retirement funds into investment funds that have performed better than we had anticipated even with the current economic downturn. We have found his advice helpful; he has been supportive; and maintains a positive outlook even when others predict “gloom and doom”. We are quick to recommend Matt and his organization to our family and friends when discussing investment funds.
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Everybody took a beating last year, but Matt did much better than the market. Enough better that I could pick up some bargains when the market was low.
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Matt Bayer came to my rescue soon after finding myself a widow at the age of 55. He advised and invested well, giving me a much needed sense of security. Recently, after making a bad investment with my son, Matt again came to my rescue with a solution. He is smart, reliable and has become a wonderful friend. I highly recommend The Bayer Financial Group.
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I have been with Matt since the start of his company. He has handled my accounts very well. If I have any question he's always available.
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Father Gary C. Aultz – Kettering, OH
I have been a long time friend of Matt Bayer's family. Over the past two years he has patiently and thoroughly explained strategies that will maximize financial security in my retirement. I can enthusiastically recommend his resourcefulness and intuition in the field of finance. He is always more than willing and able to serve and that holds true for all the staff in his organization.
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D and D Dearmore – Fairfield, OH
Matt and the BFG has always been responsive to our needs and has been proactive in offering suggestions to maximize our returns / minimize our risks during this time of financial uncertainty.
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William and Jeannette – New Paris, OH
We have been with Bayer Financial Group from inception and have always found them to be hard working, well informed and customer friendly.
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We began working with Matt in the fall of 2005. Since then he has demonstrated great insight and sound judgment in directing our investments. Making decisions in an unstable economy required diligent research and timely action. Matt has blended both of these expectations into an analytical and strategic approach, which for us has delivered results.
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Rick and Jeri Wuest – Centerville, OH
We have been using the sound financial advice of Matt Bayer since before the inception of Bayer Financial Group. He always takes the time to explain, and sometimes re-explain the various investments available. Matt pro-actively meets with us throughout the year to review the portfolio and is available to answer any immediate questions between meetings. Matt and the entire staff are friendly and helpful. The summer wine tasting was a blast.
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Dr. Paul and Mrs. Pamela Kuppin – Centerville, OH
We have been clients of Matt Bayer and The Bayer Financial Group, LLC. for the past few years and we feel fortunate and privileged for this association. Matt and his entire staff have been nothing but professional as well as passionate and personal in our dealings, knowing that our needs and wishes are met with the utmost care. Their knowledge and resource availability is second to none. They have truly gone above and beyond their responsibility in every facet of our contact with their firm and made our lives so much easier to navigate. Their personal touch, experience, and attention to detail and our needs is second to none. We would highly recommend them to anyone looking for a total experience in the services they provide.
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Lawrence and Marilyn – Oakwood, OH
We have been so happy working with Matt Bayer. Matt listens to our short-term and long-term needs and clearly explains how he will help us to them. The best feature of being with The Bayer Financial Group is that Matt checks with us frequently through the year so we can constantly look at the market and also reassess our own personal situation.
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Michael LaMusga – Kettering, OH
I have been a client of The Bayer Financial Group for about 15 years. Matt's unwavering guidance and assistance has been most appreciated and effective!
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On the advice of a friend, we transferred our investment and retirement accounts to The Bayer Financial Group in 2006. During the past two years, our relationship with Matt and his staff has grown and flourished. We consider Matt to be a trusted advisor that handles any need in a professional manner, and we wholeheartedly recommend his organization.
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I have trusted Matt with my financial future since he started The Bayer Financial Group, an honest man who takes the time to know his clients. Courteous and professional treatment is provided by all members of The Bayer Financial Team.
Testimonials Disclosure:
1. The testimonial may not be representative of the experience of other clients
2. The testimonial is not indicative of future performance
BFG President
