DISCLOSURES

This page is the plain-English version of what CFP Board's Standards call "information a CFP® professional must provide to a client." Here is everything relevant about who I am, what I do, how I'm paid, and where you can verify all of it.

Who I am

Justin Baker, CFP® professional (certified 2022), operating as a sole proprietor in Denver, Colorado. I am not currently registered as an investment adviser representative or broker-dealer agent, I am not licensed to sell insurance, and this practice does not offer services that require those registrations. I hold a Master of Accountancy and a BS in Accounting from Colorado State University.

Services provided

The core offering is the Financial Coaching Session: a flat-fee, 60-minute educational session on the money question of your choosing, followed by a written action plan. Related services — tax planning, coaching, Social Security claiming analysis, student loan strategy, financial education, bookkeeping, business consulting, and estate organization — are described with their individual scopes on the services page.

Scope and limitations

Every engagement is education and strategy only and is a limited-scope engagement — not financial planning as defined by CFP Board, and without ongoing monitoring. Sessions exclude individualized investment recommendations, insurance product recommendations, legal advice, legal document drafting, IRS representation, and attest accounting services. You are welcome to raise any topic; where a question requires a registered investment adviser, a licensed insurance agent, an attorney, or a CPA, I will say so plainly and refer you to one. All decisions remain yours.

How I am compensated

By you, and only by you: a flat fee, collected at booking through Stripe. I receive no commissions, no product compensation, no revenue sharing, and no referral fees — paid or received — from anyone. My only financial incentive is that you find the session valuable.

Conflicts of interest

Because compensation comes solely from client fees, the product-driven conflicts common in financial services do not exist here. I also own a small industrial leather supply business; it has no connection to these services. If a material conflict ever arises in an engagement, I will disclose it before proceeding.

Engagement terms

Payment is collected at booking. You may reschedule freely up to 24 hours before your session. Once a session has been delivered, the fee covers the work performed and is non-refundable. Your written action plan is delivered within 48 hours of the session.

Disciplinary history — verify it yourself

I have no public discipline from CFP Board, no bankruptcy disclosures, and zero disclosure events on my FINRA record. Don't take my word for any of that:

• CFP Board profile — certification status and disciplinary history
• FINRA BrokerCheck — CRD #6605595, full registration history

Privacy and contact

How your information is handled is covered in the privacy policy. Questions about anything on this page: jb@justinbaker.co. If this page changes materially, the new version is posted here with a new effective date.