B4 Financial Planning is an independent advisory firm operated solely by Gerald W. Barnard, offering comprehensive financial planning and investment management services. B4 Financial Planning specializes in asset allocation using exchange-traded funds and mutual funds, individual security management, and long-term market timing strategies designed to protect client principal during volatile periods. The firm provides personalized attention, limiting its total client base to a small group to maintain close ongoing relationships. B4 Financial Planning assists clients with investment strategies, risk management, cash flow, insurance analysis, and charitable contribution planning.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 0.50% |
Charged at 0.5% annually on assets under management. Billed quarterly only if the S&P 500 index ends higher for the quarter. Fees are negotiable based on specific client circumstances.