Matthew Bayer

The Bayer Financial Group, LLC

1948 E Whipp Rd Suite D
Kettering, OH 45440

I Am Licensed and Registered as Follows:
1. Insurance Agent
  1. I am a licensed insurance agent and am authorized to represent various companies as I offer, sell and service insurance products on their behalf.
2. Investment Advisor Representative under Harbour Investments, Inc. Registered Investment Advisor. An Investment Advisor Representative (IAR) refers to licensed and authorized personnel who work for investment advisory companies. The primary responsibility of an IAR is to provide investment-related advice as a financial advisor or planner.
3. FINRA (Financial Industry Regulation Authority) Registered Representative with Harbour Investments, Inc. 575 D’Onofrio Dr., Suite 300, Madison WI 53719. Member FINRA, SIPC.
  1. Series 7 General Securities Representative. As defined by FINRA, this candidate possesses the knowledge needed to perform the critical functions of a general securities representative, including sales of corporate securities, municipal securities, investment company securities, variable annuities, direct participation programs, options and government securities.
Services I Provide:
1. As an investment advisor, I act in the best interest of my clients and do not place my own interests ahead of my clients.
2. I provide portfolio management services and receive a disclosed percent of assets under management as compensation. Specific services provided are outlined in Harbour Investments Asset Management Services Agreement.
3. I act as a solicitor of an investment manager(s) to manage client assets. I receive a disclosed percent of assets under management as compensation. The investment manager also charges a management fee. Total fees are disclosed in the Harbour Investments Third Party Money Managers Program Services Agreement.
4. I provide non-portfolio management services and assess a flat or hourly fee at a disclosed dollar amount as compensation. Specific services provided are outlined in the Harbour Investments Financial Planning & Investment Consultation Services Agreement.
5. I sell insurance or investment products that have a stated commission paid to me.
6. I use third party financial tools for portfolio analysis and to support various planning needs.
Personal Conflict of Interest:
1. Whether via an investment product, insurance product or advisory platform, I do receive commissions or fees on the product and services that I recommend for you. You are under no obligation to purchase these products or services. All costs will be disclosed in writing at the time of purchase.
2. I do attend training and product informational meetings sponsored by investment companies, insurance companies, Harbour Investments and various other companies. I have received reimbursements for travel, meals and entertainment. Please ask me about any recent situations.
3. As a complement to my practice, I do utilize various Fixed Marketing Organizations (FMO’s). Many FMO’s offer proprietary insurance products that I may recommend for your portfolio. These companies do provide training, marketing material, financial planning tools and in some cases production rewards. Please ask me about any recent assistance I have accepted.
4. I receive marketing allowance money from . This support is used to offset expenses for seminars, client appreciation events and financial planning tools. Please ask me for details.
5. I receive supplemental compensation at a rate of .50% in conjunction with sales of Allianz products.

Form ADV Part II Brochure Supplement for Matt Bayer BrokerCheck by FINRA Form ADV Part II Form ADV Part III / Form CRS

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