Celia Mann Baehr, CFP

The firm provides ongoing investment advisory and portfolio management services to individual investors and small businesses, offering managed accounts and financial planning services such as retirement, estate, risk management, and general investment planning. Like many independent advisers, it charges advisory fees based on a percentage of assets under management and works with clients under discretionary and non‑discretionary arrangements.

The firm’s investment approach is tailored to client objectives and risk tolerance, using asset allocation as a core tool and incorporating techniques such as dollar‑cost averaging, technical analysis, and both long‑ and short‑term purchases as appropriate. Accounts are monitored and reviewed on a regular basis, with client risk profiles updated and portfolios adjusted to align with stated goals.

Notable distinctions include the firm’s principal holding an insurance license and occasionally offering commissionable insurance products, a relationship the brochure highlights as a potential conflict of interest that is disclosed to clients and represents roughly 5% of the principal’s time. The firm also manages roughly $44.8 million across a small number of client relationships—resulting in a comparatively large average account size for a single‑advisor practice—and the principal allocates a substantial portion of time to a community nonprofit leadership role, which the brochure identifies as part of the adviser’s professional commitments.