Kristi Baker, the Managing Partner at CSi Advisory Services, is passionate about helping individuals and companies succeed financially.
CSi Advisory Services, a division of HUB Retirement & Private Wealth, specializes in retirement plan consulting, comprehensive financial coaching and wealth management services.
This article explores Kristi Baker’s professional background and offers a detailed overview of CSi Advisory Services. We’ll also touch on the Investment Adviser Public Disclosure (IAPD) report and include other essential information to give investors a clear understanding of these topics.
Who is Kristi Baker?
Kristi Baker is the Managing Partner and Retirement Plan Consultant at CSi Advisory Services. She has a passion for helping individuals and companies achieve financial success.
She believes that the small decisions made today – like saving, investing, and planning – can pave the way for significant results, turning dreams of college, retirement, business ownership, and exciting vacations into reality.
In her role, Kristi enjoys the collaborative process of working with businesses and their key leadership teams to create successful retirement plans.
This involves a keen focus on planning, attention to detail, and a commitment to continuous improvement. Being part of a team effort, learning about clients’ businesses, and delivering tailored solutions are aspects of her work that she finds particularly rewarding.
Kristi’s professional journey began with a finance and insurance degree from Illinois Wesleyan University. Starting her career in Chicago, working with Fortune 500 companies, she transitioned to becoming a financial advisor in 1993, following a family tradition led by her father.
Throughout her career, Kristi has received training and mentorship from some of the brightest and most successful advisors in the field.
Over the years, Kristi has earned various designations, including Accredited Investment Fiduciary AIF®, Certified 401(k) Professional C(k)P®, Chartered Life Underwriter CLU, Chartered Financial Consultant ChFC, and Chartered Advisor in Senior Living CASL. She believes in constantly improving her knowledge to deliver value to clients.
Kristi underscores the significance of financial planning for the future and encourages sound decision-making within the industry. By promoting planning today and creating beneficial programs, she believes they can make a positive impact on employees’ lives.
Effective communication, actions, encouragement, and follow-through play a crucial role in promoting saving and investing for a wonderful and amazing future.
Investors are strongly encouraged to use IAPD to research representatives before engaging in business with them.
It’s important to note that there is no disclosure reported against Kristi Baker. This clean record enhances confidence in his professional standing, indicating an absence of any reported disciplinary actions or issues.
Overview of CSi Advisory Services
CSi Advisory Services, a division of HUB Retirement & Private Wealth, positions itself as a dedicated retirement plan consulting firm, placing a strong emphasis on optimizing participant outcomes, refining investment strategies, and delivering comprehensive financial coaching and wealth management services.
Within its suite of services, CSi Advisory Services places a paramount focus on the individual and collective financial well-being of its clients.
The firm is committed to crafting well-structured retirement plans that are specifically designed to yield positive participant outcomes. In addition to this, the firm boasts expertise in offering prudent investment advice and comprehensive financial coaching.
Operational under a commitment to authenticity, CSi Advisory Services pledges to provide personalized solutions, aligning with its dedication to client-centric service. As an integral part of HUB Retirement & Private Wealth, the firm upholds rigorous standards to cater to the diverse needs of its clientele.
Unfortunately, they do not offer IRA services in which investors can hold physical precious metals such as gold, silver, and platinum in their retirement investment portfolio.
Why Are Investors Diversifying Their Portfolio?
Experts agree that the financial market is now even more fragile than pre-2008. Will your retirement portfolio weather the imminent financial crisis? Threats are many. Pick your poison..
The financial system would be in great peril if one or more big banks fail.
“When we get to a downturn, banks won’t have the cushion to absorb the losses. Without a cushion, we will have 2008 and 2009 again.”
Student debt, which has been on a steep rise for years, could figure greatly in the next credit downturn.
“There are parallels to 2008: There are massive amounts of unaffordable loans being made to people who can’t pay them”
The US national debt has spiked $1 trillion in less than 6 months!
“If we keep throwing gas on flames with deficit spending, I worry about how severe the next [economic] downturn is going to be–and whether we have enough bullets left [to fight it],”
Total household debt rose to an all-time high of $13.67 trillion at year-end 2019.
“Any type of secured lending backed by an asset that is overvalued should be a concern… that is what happened with housing.”
Get in touch with an expert using the button down below:
Investing in gold can offer several advantages in 2024, particularly when it comes to retirement planning. One key benefit is that gold is often seen as a hedge against inflation.
Over time, gold has demonstrated the ability to retain its value and preserve spending power despite currency fluctuations. Given the current high inflation rates, experts suggest that increasing allocations to gold could be a wise move.
The Personal Consumer Expenditures (PCE) index, which measures Americans’ spending on goods and services, has been notably high, ranging from 6% to 7% in 2022—significantly above historical standards and the Federal Reserve’s target rate of 2%.
With expectations that the economy may not fully recover until 2025 or later, gold becomes an appealing investment option.
Diversification is another advantage of investing in gold. During economic downturns or recessions, the stock market and real estate assets may face challenges.
Gold, however, tends to be a reliable strategy for maintaining a diversified portfolio. This diversification helps reduce exposure to risky investments and minimizes the impact of potential losses.
Additionally, gold provides liquidity, a crucial factor during a recession. Liquidity refers to the ability to quickly sell assets for cash, which becomes essential in times of financial difficulty.
Gold stands out in this aspect, offering high liquidity compared to other assets like stocks, bonds, or real estate. Its ability to be easily converted into cash makes it a valuable investment during economic downturns.
The stability and value of gold, along with its liquidity, make it a compelling option for investors looking to navigate potential economic challenges in 2024 and beyond, especially in the context of retirement planning.
Major banks including Signature Bank and Silicon Valley Bank collapsed this year. Retirees like you and me lost millions of dollars while the whitehouse got a bailout. I have personally invested in precious metals and made serious returns. You can request a free guide on gold investingusing the button below:
Kristi Baker, Managing Partner at CSi Advisory Services, is dedicated to helping individuals and companies achieve financial success. CSi Advisory Services, under the umbrella of HUB Retirement & Private Wealth, specializes in retirement plan consulting and comprehensive financial coaching.
Kristi’s background includes a finance and insurance degree, and she transitioned to financial advising in 1993. With various professional designations, she emphasizes continuous improvement and the importance of financial planning.
The IAPD report for Kristi Baker reveals a clean record, boosting confidence in her professional standing. CSi Advisory Services, committed to authenticity, focuses on optimizing participant outcomes and providing personalized solutions.
As for investing in 2024, diversification is crucial. Gold, seen as a hedge against inflation, offers stability, value, and liquidity, making it an attractive option amid economic uncertainties. Investors are encouraged to explore the benefits of gold in their portfolios.