B4 Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
B4 Financial Planning provides comprehensive financial planning and portfolio management primarily for individual investors and a small number of small-business owners. Services include written financial plans, asset-allocation advice and implementation using exchange-traded funds, mutual funds and individual securities.
The firm combines fundamental and technical analysis with a long-term market-timing and reallocation model, typically managing client accounts on a discretionary basis. Client work is individualized through interviews and regular reviews, with quarterly reporting and more frequent communications when economic or geopolitical events prompt a reassessment.
Distinctive features include operating as a solo practitioner and intentionally limiting new client intake for many years to focus on existing relationships, an uncommon operating model in this regulatory category. The firm also offers alternative billing arrangements (including hourly and flat-fee planning options), provides market‑timing reallocation strategies, manages portfolios for non‑high‑net‑worth and higher‑net‑worth individuals alike, and does not engage in private‑fund advisory or other industry affiliations.
Client services
Expertise
Demographic focus
Fee options
Flat fee for financial planning starting at $150 up to $1,500, negotiable based on complexity.
$25,000+: 0.5% annually (1/2 of 1% or 0.005)
Hourly rate ranges from $50 to $150 per hour, negotiable.
Account minimum: $25,000 Fee-only: Hourly rate from $50 to $150 per hour, negotiable based on complexity and client circumstances.
Main office
Chesapeake VA
Advisors at this office
1
Most active in
Virginia
Also doing business as
B4 Financial Planning · Gerald W. Barnard
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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