Baring Financial LLC

Baring Financial, LLC, established in 2014 and registered as an investment adviser in 2015, offers personalized investment management services to various clients, including individuals, pension plans, trusts, and small businesses. The firm operates on a discretionary basis, tailoring portfolios to meet individual client needs and goals. Investment strategies primarily focus on strategic asset allocation using a core and satellite approach, with a mix of passively and actively managed funds. Baring Financial recommends Charles Schwab & Co., Inc. as the custodian for new clients, with legacy relationships through SSG and SEI Trust for existing clients. The firm charges an ongoing asset management fee based on a percentage of assets under management, with a maximum annual fee of 1.3%. Clients using Schwab as their custodian pay no more than 1.2%. Baring Financial discloses potential risks associated with investments, such as asset allocation, interest rate, market, inflation, and liquidity risks. The firm does not charge performance-based fees and does not engage in soft dollar arrangements. Clients are encouraged to vote their proxies, and the firm maintains strict privacy and information security measures.