Baldrige Asset Management

Baldrige Asset Management LLC, established in 1999 and registered as an LLC in 2012, offers personalized investment management and financial planning services to individuals, trusts, pension and profit-sharing plans, charitable organizations, and small businesses. The firm is fee-only, not affiliated with entities selling financial products, and does not accept commissions or finder's fees. Clients approve initial investments, while the firm provides ongoing management on a discretionary basis. Baldrige Asset Management LLC does not act as a custodian, and clients maintain asset control. The firm primarily invests in ETFs, mutual funds, stocks, bonds, and other securities, with a focus on diversification and risk management. Fees are based on a percentage of assets under management, with a minimum account size of $1,000,000. Hourly planning services are available at rates ranging from $300 to $500. Custodians may charge transaction fees, and expense ratios apply to mutual funds and ETFs. The firm does not charge performance-based fees. Investment strategies are research-based, emphasizing diversification and cost minimization. Risks include interest rate, market, inflation, currency, and liquidity risks. Baldrige Asset Management LLC has no disciplinary history and adheres to a Code of Ethics. The firm votes proxies for clients and does not receive soft dollars from custodians. Clients receive quarterly reports and have access to performance information. Baldrige Asset Management LLC has no financial impairments affecting client commitments.