Baker Wealth Strategies

What Baker Wealth Strategies does

Baker Wealth Strategies is a Houston-headquartered, family-owned boutique wealth management firm founded in 2013 by Jennifer Baker (CPA, CFP, RICP), with her husband Justin Baker serving as General Counsel. The firm serves high-net-worth business owners and individuals with a $250K minimum asset threshold, delivering integrated financial planning, investment management, tax reduction, estate planning, and retirement planning under a single accountable partner model. Its core product is the Cash Balance Pension Plan (CBPP), a defined benefit retirement structure that allows high-income business owners to make substantially larger tax-deductible contributions than a 401(k) alone, supplemented by a growing suite of specialized advanced tax and estate strategies including NIMCRUT/Flip NIMCRUT, Section 351 ETF Exchanges, Donor-Advised Funds, NUA Planning, Retirement Tax Minimization Strategy, Family LLC Planning, SALT Deduction Optimization, Split-Dollar SLAT, 1031 Exchanges, and Grantor CLT.

The firm's underlying technology stack includes 'AI Growth Models' and algorithms used for portfolio management and market-timing decisions, alongside integration of tax-bucket planning, Roth conversions, and 401(k) implementation. Revenue is generated primarily through recurring wealth management and advisory fees on AUM, supplemented by professional services revenue from CBPP design, actuarial certification, and ongoing plan servicing, plus managed-services revenue from the CPA partnership channel where Baker Wealth compensates partner CPAs for tax planning services rendered.

Go-to-market operates through two motions: direct relationship-based engagement with HNW business owners and individuals via scheduled discovery calls, and a CPA Partnership Model that distributes services nationwide through accounting firms, positioning Baker Wealth as an extension of the CPA's team rather than a referral source. Marketing is content-driven, with an extensive technical blog, webinars, podcast partnerships (The Concierge CPA, TaxPlanIQ), and detailed case studies evidencing quantified client outcomes (e.g., $313K immediate tax savings, $80K NUA savings, $130K SALT-related federal tax savings). The firm has no disclosed funding rounds, no institutional investors, and no parent company; it operates as a bootstrapped, founder-controlled entity with a small four-person team distributed across Texas and New Mexico serving clients nationwide.

Name

Baker Wealth Strategies

Legal name

Baker Wealth Strategies

Website

https://bakerwealthstrategies.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Baker Wealth Strategies is a Houston-based, family-owned boutique wealth management firm serving high-net-worth business owners and individuals through integrated financial, investment, tax, and estate planning, with a Cash Balance Pension Plan practice and a national CPA partnership distribution channel.

Ownership category

akta.pro rank

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Wealth Management / Advisory Fees: Comprehensive wealth management services for high-net-worth business owners and individuals including financial planning, investment management, retirement planning, and estate planning.
2. Cash Balance Pension Plan Design & Implementation: Design and implementation of Cash Balance Pension Plans for business owners with actuarial services, including ongoing annual servicing, actuarial certification, and compliance filings.
3. CPA Partnership Revenue: Revenue from partnerships with CPA firms; Baker Wealth pays tax planning fees for CPA services rendered in the partnership model.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

Baker Wealth Strategies is a boutique wealth management firm offering comprehensive financial, investment, tax, business, and estate planning under one accountable partner for high-net-worth business owners and individuals. Core service offerings include Cash Balance Pension Plans, investment management with AI Growth Models, tax reduction strategies, retirement planning, and estate planning, with specialized vehicles such as NIMCRUTs, Donor-Advised Funds, NUA planning, and 1031 exchanges.

Product overview

Baker Wealth Strategies is a boutique wealth management firm offering a comprehensive suite of services centered around Cash Balance Pension Plans (CBPPs) as a primary vehicle, supplemented by strategic financial management, tax reduction, investment management, estate planning, and retirement planning. Their specialized services include advanced tax strategies such as NIMCRUT, Section 351 ETF Exchanges, Donor-Advised Funds, NUA Planning, Retirement Tax Minimization Strategy (RTMS), Family LLC Planning, SALT Deduction Optimization, Split-Dollar SLAT, 1031 Exchange Planning, and Grantor CLT. The firm positions itself as a comprehensive planning firm where all services work together under one accountable partner for business owners and high-net-worth individuals.

Differentiator

Problem solved

Functional benefit

Products and services

• Cash Balance Pension Plans (CBPP) Customized qualified defined benefit retirement plans combining high contribution potential (typically $100K+ annually) with participant-friendly account-balance framing, actuarially designed on a client-by-client basis to allow business owners to transform current tax liability into tax-free retirement income.
• Strategic Financial Management Comprehensive business owner financial planning service covering business performance analysis, business advising, business sale and succession planning, and employee retention strategies.
• Tax Reduction Services Tax planning services spanning entity structure, qualified plan opportunities, and integrated business and personal tax reduction strategies delivered in coordination with the client's CPA.
• Investment Management Customized investment management with bespoke portfolios tailored to varied risk tolerance, time horizons, liquidity needs, and tax postures, including operating capital solutions, AI Growth Models, Direct Lending, and goals-based portfolio strategies.
• Estate Planning Estate and family financial protection services including entity structure optimization, business sales and valuations, buy-sell agreement review, and comprehensive estate plan design and review.
• Retirement Planning Financial planning service focused on sustainable, tax-efficient income in retirement, addressing traditional accounts, required minimum distributions, and Social Security optimization.
• College Planning Educational funding assistance including FAFSA review, scholarship identification, and intelligent financing strategies to lower college costs.
• NIMCRUT / Flip NIMCRUT Net Income with Makeup Charitable Remainder Unitrust services for donors holding low-yield, highly appreciated illiquid assets, enabling deferred payouts and current tax deductions.
• Section 351 ETF Exchanges Tax deferral strategy enabling clients to contribute appreciated securities into an ETF without triggering immediate capital gains tax, moving from concentrated stock to diversification.
• Donor-Advised Funds (DAFs) Charitable giving vehicle enabling donors to accelerate charitable deductions into high-income years, contribute appreciated assets, and eliminate embedded capital gains.
• Net Unrealized Appreciation (NUA) Planning Tax strategy enabling employer-stock gains to shift from ordinary income to long-term capital gains rates for retirement-age clients.
• Retirement Tax Minimization Strategy (RTMS) Repositioning strategy moving taxable and tax-deferred assets into tax-free assets (Roth accounts and structured life insurance) for tax-free retirement income.
• Family LLC Planning Year-end governance, valuation, and entity structure services for closely-held family LLCs.
• SALT Deduction Optimization Strategy using Cash Balance Plans to keep client AGI below OBBBA SALT deduction cap thresholds and avoid tax liability increases.
• Split-Dollar SLAT Strategy Loan regime strategy for single-owner C-Corps using Indexed Universal Life insurance with spousal lifetime access trust for tax-advantaged retirement and estate benefits.
• 1031 Exchange Planning Like-kind exchange strategies coordinated with estate step-up planning for real estate wealth optimization and legacy goals.
• Grantor Charitable Lead Trust (CLT) Charitable giving strategy providing immediate income tax deductions with the opportunity to retain assets after the trust term.

Quantifiable outcome

• Jim case study: $471,336 total CBPP contribution generated $313,275 immediate tax savings; $2,007,018 estimated 8-year tax savings; $1,655,239 projected tax-free life insurance income; Total benefit over $3.6M
• +2 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• CPA Firms (Partnership Model)coreStrategic or Co-development PartnerBaker Wealth Strategies has developed a partnership model specifically for CPA firms to deliver comprehensive wealth management, investment, legal, and retirement planning services to their high-net-worth clients. This is explicitly structured as a partnership rather than referral relationship, with Baker Wealth functioning as an extension of the CPA's team.
• TaxPlanIQ / Dave LukasminorStrategic or Co-development PartnerHost of Power Hour webinar series where Baker Wealth founder Jennifer Baker discusses Cash Balance Pension Plans in detail. Provides educational platform for thought leadership content.
• Dr. Jackie Meyer (The Concierge CPA Podcast)minorStrategic or Co-development PartnerPodcast host who provided platform for Jennifer Baker to discuss cash balance plans and retirement strategies. Partnership for educational content creation targeting tax professionals.
• Hope Haven RwandaminorOthersFaith-based nonprofit supporting K-12 education across arts and sciences at Hope Haven Christian School in Rwanda. Baker Wealth supports this organization as part of corporate social responsibility.
• Reach UnlimitedminorOthersNonprofit providing support services for individuals with intellectual and developmental disabilities. Baker Wealth supports this organization as part of corporate social responsibility.
• OATH, Inc. (Outdoor Association for True Heroes)minorOthersFaith-based nonprofit bringing nature and fellowship to veterans. Baker Wealth supports this organization as part of corporate social responsibility.
• Boys & Girls CountryminorOthersNonprofit focused on raising children who are healthy, self-sustaining, and guided by Christian values of family, generosity, and kindness. Baker Wealth supports this organization as part of corporate social responsibility.
• Cy-HopeminorOthersNonprofit bringing needs and solutions together to instill hope in underserved children and nurture their potential. Baker Wealth supports this organization as part of corporate social responsibility.
• Rotary InternationalminorOthersGlobal community of business and community leaders fostering understanding, dialogue, goodwill, and cooperation. Baker Wealth supports this organization as part of corporate social responsibility.
• CyFair Education FoundationminorOthersNonprofit providing higher education scholarships to graduating seniors of Cy-Fair ISD. Baker Wealth supports this organization as part of corporate social responsibility.

Scale indicators2 records

Recent moves1 record

Expansion highlights6 records

Broad incumbents

• Carson Group: Large national wealth management firm offering integrated financial planning, investment management, tax, and estate services to HNW individuals and business owners. Comparable in target client and integrated offering but operates at vastly greater AUM scale with a hybrid advisor partnership model.
• Creative Planning: One of the largest independent RIAs in the U.S., providing comprehensive wealth management including financial planning, tax, estate, and investment services to HNW clients and business owners. Comparable in integrated service delivery and HNW business-owner focus, though at materially greater scale and brand recognition.
• Mariner Wealth Advisors: National RIA offering comprehensive wealth advisory, investment management, tax, and estate planning to HNW families and business owners. Comparable integrated offering and client segment; substantially larger with institutional positioning.
• Edelman Financial Engines: Large national wealth manager offering financial planning, investment management, and integrated advice to HNW households and business owners. Comparable integrated service and HNW focus at significantly greater scale.
• Cetera Financial Group: Large hybrid wealth platform supporting independent financial advisors with wealth management, investment, tax, and estate solutions for HNW clients. Comparable in serving HNW clients with integrated planning; substantially larger infrastructure.

Direct peers

• Buckingham Strategic Wealth: Boutique RIA providing evidence-based financial planning and investment management to HNW clients with integrated tax and estate planning. Comparable boutique HNW positioning and integrated service model.
• Avidian Wealth Solutions: Boutique wealth management firm offering integrated financial planning, investment management, tax, and estate services to HNW individuals and business owners. Directly comparable in boutique positioning, integrated service stack, and business-owner client focus.
• One Day In July: Boutique investment advisory focused on HNW clients with personalized financial planning and wealth management. Comparable boutique scale and HNW individual focus with integrated planning.
• Wescott Financial Advisory Group: Independent boutique wealth management firm serving HNW individuals and families with integrated financial planning, investment management, tax, and estate services. Comparable boutique scale and integrated HNW offering.
• Regent Peak Wealth Advisors: Boutique wealth management firm providing personalized financial planning, investment management, tax, and estate planning to HNW individuals and business owners. Comparable boutique positioning and integrated HNW service model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bakerwealthstrategies
• LinkedInlinkedin.com/company/baker-wealth-strategies

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Baker Wealth Strategies