GERALD BAKER FINANCIAL GROUP, L.L.C.DBA BAKER FINANCIAL SERVICES

Overview

Gerald Baker Financial Group, L.L.C., operating as Baker Financial Services, is an independent registered investment adviser led by Gerald Baker. The firm serves both high-net-worth individuals and institutional clients, offering financial planning and discretionary portfolio management for individuals, small businesses and larger institutions. Registered with the SEC since 1999, the adviser favors fixed-income solutions as the core of its portfolios, with a clear tilt toward municipal (state and local) bonds. The firm is not an ESG investor and is not positioned as a multi-state adviser or a capital allocator; it combines percentage-of-AUM billing with hourly and fixed-fee options depending on the client engagement. Strategically, the firm uses separately managed accounts and traditional advisory structures to implement client mandates. It has an industry affiliation with a broker-dealer, and custody is consolidated at Charles Schwab & Co., Inc., which houses the firm’s advisory assets. Investment decision-making prioritizes income generation and capital preservation through bond allocations, while supplementing core holdings with third‑party alternative managers in select areas.

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