Independence · Education · Follow-Through

Why The Bayer Financial Group?

Independence matters—but it is what BFG does with that independence that makes the difference: a disciplined process, broader choice, clear education, transparent costs, and a service model designed around long-term relationships.

Matt Bayer, President — The Bayer Financial Group
Meet Matt Bayer

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

Matt founded The Bayer Financial Group so recommendations could be shaped by client needs rather than a parent company's product shelf, quota, or sales campaign. That independence created room for a disciplined process built around communication, education, and long-term relationships—not transactions.

The BFG Team brings over 100 years of combined industry experience to clients across the country. BFG's standard is straightforward: do what we say we are going to do, within the timeframe we promise.

What Independence Means For You

People often ask: what is the single greatest advantage of doing business with BFG?

An Independent Front Door

Matt founded BFG so recommendations could be shaped by client needs rather than a parent company's product shelf, quota, or sales campaign. Independence creates the freedom to consider a wider range of appropriate tools and structures.

A Teacher's Heart

Most clients do not need to become investment experts. They do need to understand the purpose of the plan. Matt explains the why behind recommendations in plain language so clients can ask better questions and make informed decisions.

No Artificial Limits

BFG offers both fee-based and commission-based options and does not force every dollar into one structure. Purpose, timeframe, risk, liquidity, management needs, and total cost determine the recommendation.

A Standard of Follow-Through

The foundation of BFG's success is doing what the team says it will do, within the timeframe it promises. Clients are supported by an experienced BFG Team and an ongoing service calendar.

Relationships Across Generations

BFG's growth has been driven by referrals and families asking the firm to help multiple generations. The goal is not a transaction; it is a relationship capable of evolving as life changes.

Purpose Before Products

Every recommendation begins with the job the money needs to do. Clients should understand why an investment belongs, what it costs, and what risks it carries.

Your future financial success may depend on the type of investment advice you get today.

Why It Matters

In an increasingly complicated era, achieving your financial goals depends on solid, unbiased advice — meaningful, timely information and research — and access to the investments and services that best fit your specific circumstances.

Independence gives BFG room to consider a broader range of tools and structures around each client's goals. Recommendations still involve costs, compensation, and potential conflicts that clients should understand before deciding. BFG's role is to explain the purpose, risks, alternatives, and ongoing service connected to the plan.

Start the Conversation See Our Process
Common Questions

Questions We Hear
Before the First Meeting

Most people come to BFG with similar questions — and we believe those questions deserve straight answers before you ever pick up the phone. Below are the questions prospective clients ask most often, answered as clearly and honestly as we know how.

The information below is educational in nature and does not constitute individualized investment advice. For guidance specific to your situation, please contact our office directly.

Independence gives BFG flexibility to consider a broader range of tools and structures instead of beginning with a single product shelf or compensation model. The process starts with the client's goals, timeframes, risks, liquidity needs, and the job each dollar needs to do.

Independence does not eliminate costs, compensation considerations, or potential conflicts. Clients should understand those factors, the alternatives considered, and why a recommendation belongs in the plan. BFG emphasizes education, transparent explanations, and ongoing service so clients can make informed decisions.

Securities and advisory services are offered through Harbour Investments, Inc., a registered broker-dealer and member of FINRA and SIPC. Clients should review the applicable disclosures describing relationships, compensation arrangements, and potential conflicts.

Securities and Advisory Services Offered Through Harbour Investments, Inc. Member FINRA/SIPC. BFG and Harbour Investments, Inc. are separate entities.

Start with the process. An advisor should understand your goals and timeframes before making recommendations. You should know how the advisor is paid, whether product or platform limitations affect the choices available, and what ongoing service will look like.

Then evaluate the explanation. Can the advisor tell you why each investment is in the plan, what it costs, what risks it carries, and what job it is intended to do? Is there a clear schedule for reviews and communication?

BFG treats best-interest obligations as a baseline—not a marketing slogan. The firm's differentiator is a process built around purpose, understanding, transparency, broader choice, and consistent service.

Fiduciary obligations apply to investment advisory services. Certain brokerage transactions facilitated through Harbour Investments, Inc. are subject to FINRA suitability standards.

Each part of a financial plan can have a different purpose and timeframe. A fee-based advisory account may fit assets that need continuing management and review. A commission-based investment may fit a specific need that does not require the same level of ongoing advisory service.

Matt considers the client’s goals, the amount of time before the money may be needed, the risks involved, and the total cost. He explains how BFG will be paid and why the recommended structure fits that part of the plan.

BFG does not limit every client to one compensation model. The recommendation depends on the work the money needs to do.

BFG is required to provide clients with Form ADV Part 2 at or before the initiation of an advisory relationship, detailing all compensation arrangements and conflicts of interest.

Yes — and we provide second opinions regularly. Seeking a second opinion on your financial plan or investment portfolio is a responsible action, not a sign of disloyalty to your current advisor. Many of BFG's longest-standing client relationships began as second-opinion conversations.

A second-opinion consultation at BFG is complimentary, carries no obligation, and does not require you to transfer any accounts or take any action. If we believe your current plan is well-constructed and appropriately managed, we will tell you that. Our goal is for you to leave with greater clarity — regardless of whether you ultimately work with BFG.

BFG does not engage in unsolicited contact with clients of other advisory firms. All second-opinion consultations are initiated at the client's request.

You can verify it directly — and we encourage you to do so. FINRA BrokerCheck is a free, publicly available tool maintained by the Financial Industry Regulatory Authority that allows anyone to research the background, qualifications, and regulatory history of any registered broker-dealer or investment advisor representative.

Review Matthew C. Bayer's FINRA BrokerCheck profile and Harbour Investments, Inc. BFG proactively encourages all prospective clients to conduct this review before engaging any financial professional — including us.

FINRA BrokerCheck is provided as a public resource. Consumers are encouraged to verify credentials and disciplinary history of all financial professionals they work with or are considering engaging.

Ready to Experience the
BFG Difference?

Discover what independence means for your financial future. The initial consultation is complimentary — no obligation, no generic advice.

Schedule a ConsultationCall (937) 432-6585