Thoughtful advice. On your terms.
Ask a focused question, step back for a full financial plan, or return when life changes. Get independent guidance for an hourly fee, with no requirement to hand over your accounts.
Ways to work together
Start with what you need today. Every engagement has a written scope, an hours estimate, and a clear deliverable.
A one-time look at a decision or a review of your accounts, allocation, fees, and planning questions. Bring the information you want reviewed; leave with a concise written summary and next steps.
Connect the pieces: cash flow, retirement, tax planning, insurance, estate coordination, and investments as relevant to your goals. Receive a written plan with prioritized actions.
Keep your plan current with two scheduled reviews each year, written summaries, and the freedom to request additional advice when a new question comes up.
The proposed practice provides advice on allocation, account strategy, and mutual funds or ETFs where appropriate. You decide whether to act and place transactions yourself. No trading authority, custody, product commissions, or percentage-of-assets fee is proposed.
A straightforward process
The same careful process applies whether your engagement is a single meeting or a more complete plan.
Tell us the question you want answered. We agree on the work, the information needed, and an hours estimate before advice begins.
We review what you provide, discuss the tradeoffs, and develop advice tied to your goals and constraints.
Receive a written summary or plan. You choose the next actions; future work is available only if you want it.
Simple, transparent pricing
Proposed standard rate for consultations, comprehensive planning, and follow-up. Any different rate would be agreed in writing before work begins. Time is billed after work is performed, in six-minute increments calculated once per invoice.
Ideas & insights
Availability
This website introduces the proposed Baxter Financial Planning practice. Client scheduling and advisory services will open only after the firm and its adviser have the required registrations and final disclosures in place.