Be Independent

Independent Investment Advice is valuable. Independent Advice is in the context of your financial life, your financial plan is even more valuable.

BayRock is dedicated to helping individual investors, families, and business owners manage the risk and opportunity of everyday life, recover from the unexpected, and realize their highest purpose. 

Because BayRock is independent, we have a lot more to offer than our Wall Street competitors.

Planning is the key to great investment advice. Having a good plan is one thing. Having a well-coordinated plan is another. At BayRock, we start the planning process with a thoughtful “Gap Analysis” to identify any gaps in your financial life. The Gap Analysis starts with a conversation designed to get to know What Matters Most — to you.

Advice is easy to come by these days. The internet, YouTube, CNBC, and Jim Cramer are all Free and available 24/7. We all have unlimited access to mountains of information from so called Financial Sales professionals who get paid for selling their company’s products and services. When it comes to your life and your money, Independent Investment Planning Advice may be the best financial decision you can make in 2020.

Hi, I’m Jim Munchbach, Founder and CEO of BayRock Financial. I left Wall Street to build a better, more Independent Investment and Planning company. Today, I’m inviting you to get to know BayRock. I hope you’ll consider subscribing to BayRock News today.

Each week, I’ll share valuable principles and insights about investing in 2020. I love helping individual investors, families, and business owners manage the risk and opportunity of everyday life, recover from the unexpected, and realize their highest purpose. 

In addition to my work as an Investment Advisor at BayRock Financial, L.L.C., I’ve been teaching Personal Finance at the Bauer College of Business at University of Houston for the last 8 years. If you visit RateMyProfessors.com, you’ll see its a very popular class because young people know that their financial future depends on making wise choices with money.

The most popular series of lectures I’ve ever delivered is the Investing section. Now, the big idea of the course is to teach students how to become a Millionaire by Age 50. Knowing how to invest is obviously an important element in achieving financial success. I teach 4 Investment Strategies designed to Maximize Returns and Minimize Risk and like I said, its the most popular lecture in my course. Today, I’m announcing that those same lectures are going to be repurposed for our weekly email subscribers.

You can learn more, and subscribe at BayRockNews.com today. I’ll be posting weekly video lessons in three focus areas as we move into 2020.

1. Investment

2. Planning

3. Advice

• Investment: 4 Investment Strategies designed to Maximize Returns and Minimize Risk for 401(k) and IRA Investors. You’ll get weekly insights and actionable ideas for managing the risk and return in your Tax Qualified 401(k), IRA, and any other investment account you’re currently managing for yourself or your family. In addition to the 4 Strategies, I’ll be sharing deeper insights about portfolio construction and investment management as we enter into one of the most dangerous investing environments of my lifetime. You don’t want to miss this weekly segment on Investing so subscribe today by clicking on BayRockNews.com and leave me your name and email address. I hate spam, too. Don’t worry, I won’t sell, share, or give away your email address EVER, I promise. And, you’ll only receive notifications about new video content from BayRockNews.com.

• Planning: I believe every family deserves a quality financial plan and as a Certified Financial Planner™, I know the difference between a “good plan” and a well-coordinated plan. If you’re still wondering “what is a financial plan”, don’t worry – you’re not alone. Most Americans don’t have a holistic financial plan that connects their money to their vision, values, and purpose. Or as I like to say a plan that simply connects your money and your purpose. I’ll be sharing the principles and a powerful process you can start using today to get your financial house in order. I call it The Blueprint for Financial Success.

• Advice: You know as well as I know that “real advice” that can move the needle in your financial life doesn’t come from a “financial podcast” no matter how well intentioned I may be. Yes, you can get some great ideas and you can make tremendous progress in terms of getting from where you are now to where you want to be at the end of 2020. At some point, however, you’re going to need to spend a little one-on-one time with a trained professional who can help you really move the needle.

Whether you decide to connect with on LinkedIn, Facebook, Twitter, or YouTube, I’m happy to be someone who can make a difference in your life and that’s why I’m making this big commitment to deliver Independent Investment Planning Advice on a weekly basis at BayRockNews.com. I really hope you’ll subscribe and I hope you decide to share the journey with a friend or two.

I’m in Houston and I love meeting new people. You can connect with me on social media, the links are all available at BayRockNews.com. And you’ll also see on that same page an easy OptIn form to be added to my MailChimp email list. For your convenience, I’ve included a couple of valuable resources that are 100% free for Individual Investors, Families, and Business Owners:

1. What’s Your Risk Number? Before you invest another dollar in your 401(k) or IRA or whatever you’re planning to invest in for 2020, take a minute to complete your Risk Survey. Its Fast. Its Free. Its Easy, just click on the link at BayRockNews.com or go directly to KnowRiskInvesting.com. Go ahead, what are you waiting for? Find out in 5 minutes “What’s Your Risk Number”?
2. Free CFP® Consultation. At some point, it usually makes sense to get a second opinion from an Independent Investment Planner who can give you objective advice that relates to your specific situation. I love meeting with people and I make it super easy for you to schedule a quick 15 minute call to find out if it makes sense for you to work with a Certified Financial Planner™ professional as you navigate the risk and reward threats and opportunities that will arise in 2020. Again, there’s a link on the landing page at BayRockNews.com or simply go to CFPConsult.com and you’ll be taken directly to my Calendly link where you’ll see my availability. There’s no cost for the consult. If we meet in person, I’ll hand you a copy of Make Your Money Count as a free gift.
3. Business Owner Gap Analysis. If you’re a business owner, you have special needs when it comes to financial planning. Whether you’re working with an advisor or a whole team of Financial Advisors, you might want to consider a second opinion from an Independent Investment Planning Professional. I love working with advisory teams and it typically starts with your CPA.

There’s a big difference between a “good plan” and a well-coordinated financial plan. 

Whether you’re an individual investor, the financial decision maker for your family or business, I hope you’ll join me each week at BayRockNews.com where we’ll cover Investing, Planning, and Real Advice from Independent Investment Advisors. 

Coming up this week, we’ll be talking with the folks at Galvanized Holdings about Opportunity Funds – Investing in the Backbone of America with my friend Andrew Zimmerman (his friends call him Zim).

Subscribe today and I’ll send you a “thank you” email as soon as I get my MailChimp form set up and working. You very well could be the first subscriber. Whether you’re an investor or an advisor, you’ll want to subscribe to BayRockNews.com. 

As you’ll see when you visit BayRockNews.com, I’ve created some very helpful resources for Financial Advisors who want to learn how to build trust and deliver extraordinary results for clients using The Blueprint for Financial Success. The Blueprint is based on the same process we learn as Certified Financial Planner™ professionals. I designed the tool to train newer Financial Advisors in the planning process. It’s a 3 meeting process that starts with “Discovery” and quickly moves into the “Gap Analysis”.

I love meeting new people. In 2020, we’ll offering small group studies. Small groups can meet in someone’s home, or office, or at the YMCA. I’ll be working with Financial Advisors who want to lead the small groups and I’m happy to provide the leader’s resources for free. If you’re a Financial Advisor and that sounds interesting to you, connect with me on LinkedIn and when we meet, I’ll give you a free copy of What Matters Most so you can see how it all works.

If you’re a Certified Financial Planner™ or a CPA, I’ll give you a copy of Allied for Success, creating a synergy of specialists to fulfill our clients’ dreams – published by FPA Press just before the global financial crisis.

None of my hard-cover books are for sale at the moment. These resources are designed to train individual investors and Financial Advisors who recognize the need for people to have a holistic financial plan that connects their money with their life.

I hope you’ll join me at BayRockNews.com.