Independent Financial Planning for Clients Across the Country

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.

Schedule a Conversation Get a First or Second Opinion

Independent Planning

Clear Education

Consistent Service

Why The Bayer Financial Group

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

Matt Bayer, President — The Bayer Financial Group

Financial Education

Fiduciary should be the starting point—not the finish line.

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Fee-Based & Commission-Based

The Bayer Financial Group uses both structures. The right choice depends on the purpose of the money, when it may be needed, and the amount of ongoing management involved.

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What Does Fiduciary Really Mean?

Best-interest obligations are a baseline. Process, choices, costs, communication, and ongoing service show how the relationship works.

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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.

Fee-Based vs Commission-Based video thumbnail

Fee-Based & Commission-Based: Why the Best Advisors Use Both

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

Purpose

Every dollar should have a job

Portfolio With Purpose

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.

Explore Portfolio With Purpose

Our Planning Process

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 Process

Discovery

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.

Who BFG Serves

Good People. Real Goals.
Relationships That Span Generations.

Matt Bayer, President of The Bayer Financial Group

Relationships That Last

A Conversation Comes Before a Qualification

BFG works with a diverse group of individuals, families, retirees, and business owners. The first meeting is a chance to understand what brought you to BFG and determine whether the relationship feels right on both sides.

People First

No Artificial Asset Threshold for a Conversation

Matt has never believed a single asset threshold should decide whether someone deserves a conversation.

Long-Term Relationships

Built to Grow With You

Some early relationships grew significantly, and many clients have introduced BFG to parents, children, friends, and colleagues.

BFG

Start Here

A Complimentary Conversation

Tell us what brought you here, what you hope to accomplish, and which questions you want answered.

Schedule a consultation with The Bayer Financial Group

Questions to Consider Before We Meet

Did my advisor learn my goals and timeframes before making recommendations?

Do I understand how my advisor is paid?

Can I explain what's in my portfolio and why?

Am I on track to retire when I want to?

Do I know how much I'm paying in total fees?

Is my plan accounting for taxes and inflation?

Start Here

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.

1948 East Whipp Road, Suite D · Kettering, OH 45440
(937) 432-6585 · help@bayerfinancialgroup.com
Monday–Friday, 9am–5pm EST

Across the Country

Your Advisor Does Not Have to Be
Down the Street to Stay Close.

BFG's home office is in Kettering, Ohio, but its client relationships extend across the country. Secure digital tools, video meetings, electronic document sharing, and a responsive service team allow clients to receive the same personal, relationship-driven experience wherever they live, in jurisdictions where BFG is properly licensed.

Technology closes the distance. Communication, follow-through, and trust build the relationship.

Purpose.Understanding.Transparency.

Do What You Say.When You SayYou'll Do It.