Bargeld Financial
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About
Bargeld Financial is a fee-only independent investment adviser that provides portfolio management, financial planning, project evaluation and tax-related services to individuals, families, small businesses, non-profits and retirement plans. The firm offers both comprehensive asset-management programs and à la carte services, and provides balanced small-enterprise services (BaSES) to help small organizations develop and implement investment policies.
The firm’s investment process is grounded in bottom-up fundamental research and Modern Portfolio Theory, combining active and passive instruments across equity and fixed‑income strategies while incorporating ESG criteria when requested. Bargeld Financial typically structures client relationships on a non‑discretionary basis with written Investment Policy Statements and uses an age-based asset allocation guideline (equities ≈ 100 − age) as a starting point for portfolio construction.
Noteworthy differences from many peers include the firm’s public advertising of performance results and its formal affiliations with a tax advisory/notarial entity and an independent insurance agency, which allow it to integrate tax preparation, tax planning and insurance needs into client engagements. The adviser is newly established, serves a small, concentrated client base, and the firm’s principal also engages in local public service and occasional government contract work related to immigration matters.
Client services
Expertise
Occupation focus
Fee options
Financial planning with annual retainer: $1,000 per year; project evaluation fees range $500 to $9,500
$0 - $250,000: 1.85% $250,001 - $1,000,000: 1.75% $1,000,001 - $5,000,000: 1.65% $5,000,001 - $10,000,000: 1.55% $10,000,001 - $25,000,000: 0.75% $25,000,001+: 0.355%
$250 per hour for financial planning, tax preparation, and other consulting services
Account minimum: $1,000 Minimum fee: Minimum fees vary by service, e.g., $1,000 minimum fee for certain services, $875 minimum for financial planning, $750 minimum for tax review, $500 minimum for business tax prep Fee-only: Yes, firm is fee-only, does not accept commissions; hourly fees for financial planning and tax services at $250/hour
Main office
105 West Third Street
Media PA 19063
Advisors at this office
1
Most active in
Pennsylvania
Also doing business as
Bargeld Financial · Bargeld Financial, LLC · Prior Proper Planning Insurance Agency
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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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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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.
Forms ADV
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