Jim Munchbach, CFP®, CLU®, BayRock Financial

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About Jim Munchbach, CFP®, CLU®, ChFC®, CPCU®

Jim is Founder and CEO of BayRock Financial, an independent RIA firm in Houston, Texas. Jim has over 25 years experience in the financial services industry.

Jim was the first State Farm Agent to become a Certified Financial Planner™ Practitioner in the Houston area. Following that, he worked at Morgan Stanley in the Wealth Management Division.

Following his time on Wall Street, Jim served as an independent investment advisor at STA Wealth Management, Financial Planning Director at Archetype Wealth Partners, and Director of Wealth Management at Tremont Street Advisors.

Throughout his career, Jim has witnessed significant changes in the financial services industry – especially in the area of technology.

As a result of these experiences, Jim became a pioneer in the area of “Tele Tax Planning” with a focus on Advisor Coordination as a means to deliver Smarter Strategies and Better Results for clients.

Jim earned the Certified Financial Planner™ designation in 2003 along with the ChFC®, CLU®, and CPCU® designations over the course of his career.

Jim attended Baptist Bible College in Springfield, Missouri where he met the love of his life, Connie.
For the last 8 years, Jim has enjoyed teaching Personal Finance at the Bauer College of Business at University of Houston.
He also teaches Insurance in the Rice CFP® Program.
Jim is the author of three books about financial planning including Make Your Money Count, connecting your resources to What Matters Most.

In his book, Jim uses the metaphor of a Blueprint to illustrate the financial life planning process. The Blueprint for Financial Success™ helps people connect their finances with their vision, values, and purpose.

Jim and his wife Connie have been married since 1982; they have three grown children and two beautiful grandchildren. They live in Friendswood, Texas and are active members of Friendswood Friends Church.

Jim and Connie enjoy weekend camping in their Winnebago with their favorite dog Lucy.

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Recently Published

BayRock Plus Right Capital

May 16, 2020

BayRock Plus Right Capital

BayRock Plus RightCapital
More Clarity, Less Uncertainty.

  • Better Investing
  • Smarter Strategies
  • Faster Results

Design your Financial Blueprint in minutes using our fully digitized process.

Our intuitive user interface enables you to create a simple – yet powerful – financial plan in as little as 10 minutes.

Quickly analyze different options, scenarios, and strategies while making adjustments to your plan on the fly.

  • Create a college savings plan in a minute.
  • Take a deeper dive into your investment allocation with one click.
  • Identify your optimal social security strategy in seconds.

Build a better retirement by creating a set of tax-efficient income and distribution strategies that could save you over a million dollars.

Our cutting edge technology gives you instant access to all of your financial information whenever and wherever you want – with all your accounts in one place.

BayRock’s award winning planning software puts financial success at your fingertips.

After you set up your Free Account Online, simply download our mobile app on Google Play or in the App Store.

Login anytime to see your current

  • Net Worth,
  • Assets,
  • Liabilities and

Watch your probability of success increase with the Monte Carlo Analysis.

Continue reading BayRock Plus Right Capital at Retirement Tax Planning Strategies.

Read the full post →

Money Study Group Summer School Registration

May 16, 2020

Money Study Group Summer School Registration

Money Study Group Summer School Registration

For UH Students of Personal Finance at the Bauer College of Business.

Visit MoneyStudyGroup.com to save your seat in this special online course.

Money Study Group for

  • Better Investing,
  • Smarter Strategies and
  • Faster Results

For Students of Personal Finance who want more… clarity, confidence, and contentment

Sign up today at MoneyStudyGroup.com.

We’re going to help you create your own Financial Blueprint in minutes using our fully digitized process.

We’ve designed an intuitive user interface to help you create a simple – yet powerful – financial plan in as little as 10 minutes.

Quickly analyze different options, scenarios, and strategies while making adjustments to your plan on the fly.

  • Create a college savings plan in a minute.
  • Take a deeper dive into your investment allocation with one click.
  • Identify your optimal social security strategy in seconds.

Build a better retirement by creating a set of tax-efficient income and distribution strategies that could save you over a million dollars.

You get our cutting edge technology with instant access to all of your financial information whenever and wherever you want – with all your accounts in one place – best of class planning software that puts financial success at your fingertips.

Continue reading Money Study Group Summer School Registration at Retirement Tax Planning Strategies.

Read the full post →

Linda Lingo Financial Coaching for Women

April 30, 2020

Linda Lingo Financial Coaching for Women

Financial Coaching for Women

Meet my new friend Linda Lingo.

Linda Lingo knows what women want. Linda gave me permission to share the invitation to her VIRTUAL HAPPY HOUR.

I’m sharing this with all the women I know and love in my community because Linda is the perfect financial coach for #women who want to get their most important money questions discussed and answered!

Financial Coaching for Women who want more…

  • Clarity
  • Confidence
  • Contentment

Linda’s Zoom-Room is a judgment-free space where every question about money and finances is a good question and every woman who wants to ask any question is welcome.

The best part and the worst part… Its for Women only. So, I’m not invited.

Linda Lingo shared her story with me this week on our YouTube channel.

Here’s an excerpt from our interview:

Over time, the more I looked at my investment statements, the more questions I had.

Finally, I scheduled an appointment with my Financial Advisor and brought my statements with me. I spread them out on his desk. Keep in mind, this was a very traditional, male office.

Continue reading Linda Lingo Financial Coaching for Women at Retirement Tax Planning Strategies.

Read the full post →

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Ideal Clients

  • Baby Boomers
  • Investment Planning & Management
  • IRA Planning
  • Wealth Management

Ways Advisor Charges

  • Monthly Fee
  • Quarterly Fee
  • Flat Fee
  • Hourly
  • Assets Under Management

Fee Options

  • Monthly Fee: $100+/mo
  • Quarterly Fee: $300+/qtr
  • Flat Fee: $500+/engagement
  • Hourly Fee: $250+/hr
  • AUM: 1.00%

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