Start Your Retirement Roadmap 
ABOUT BAYNES FINANCIAL
We help you decide how to turn your savings into income, manage taxes along the way, and make your money last.
We specialize in helping you decide how much to withdraw, which accounts to draw from, and when to take the money. Those decisions work together to support the income you need today, manage what you pay in taxes, and help your savings last.
Your income, your taxes, your investments, your protection, and your legacy all pull on each other. Claim Social Security early and your tax picture shifts. Do a Roth conversion and your Medicare premium moves. Most plans treat these as five separate decisions made by five different people. We treat them as one plan.
I help people figure out how to turn what they’ve saved into income for retirement. I founded Baynes Financial, wrote Retire On Purpose, and hold a Master of Science in Financial Planning (MSFP).
Before becoming a financial planner, I served as a sergeant in the U.S. Marine Corps and fixed airplanes for a living. I didn’t plan on becoming a financial advisor, but that changed after I asked for advice about my own investments and walked away feeling like my questions hadn’t been heard.
Read my full bio →We're independent. We aren't owned by a fund company or an insurance carrier, so your plan gets built around you, not around a product someone needs to move this quarter.
Our office is in Rancho Cucamonga, California. We work with individuals and families in neighboring cities and throughout the state. If you’re nearby, we’d be glad to meet you at our office and hear what you’re planning for.
We start with what you want retirement to look like and how much income you’ll need to support it. Then we work through five planning areas to decide where that income will come from, how to protect it, and what you want to leave behind.
Income
A floor you can count on every month, and the gap your savings need to cover.
Tax
Keeping more of what you saved, while the window to act is still open.
Investment
A portfolio built for income, not just growth.
Protection
Healthcare, life, disability, and long-term care planned for, not bolted on later.
Legacy
A clear plan that protects your family and reflects your values.
It comes together in one written plan you can hold and return to: your Retire on Purpose Roadmap.
We work with people who are within 15 years of retirement or have recently retired and have at least $500,000 in investable assets. They’re looking for one advisor to manage their investments and coordinate their income, taxes, and insurance as part of one retirement plan. They’re open to advice and ready to act on the plan we build together.
What counts toward the $500,000 minimum? We count money available to invest, such as cash set aside for investing and assets in brokerage accounts and IRAs. We exclude 401(k) balances, home equity, and equity in investment properties.
We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. This page is for educational purposes only and is not investment, tax, or legal advice.
