Baron Financial Group, LLC is a SEC-registered investment adviser with its principal place of business located in New Jersey. Baron Financial Group, LLC began conducting business in 2007 when a new partnership was formed. Listed below are the firm's principal shareholders (i.e., those individuals and/or entities controlling 25% or more of this company).
• Anthony John Benante
• Victor P. Cannillo Baron Financial Group, LLC offers the following advisory services to our clients: INVESTMENT SUPERVISORY SERVICES ("ISS") INDIVIDUAL PORTFOLIO MANAGEMENT Our firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we develop a client's personal investment policy and create and manage a portfolio based on that policy. During our data-gathering process, we determine the client's individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we also review and discuss a client's prior investment history, as well as family composition and background. We manage these advisory accounts on a discretionary or non-discretionary basis. Account supervision is guided by the client's stated objectives (i.e., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Our investment recommendations are not limited to any specific product or service offered by a broker- dealer or insurance company and will generally include advice regarding the following securities:
• Exchange-listed securities
• Certificates of deposit
• Municipal securities
• Mutual fund shares
• United States governmental securities Because some types of investments involve certain additional degrees of risk, they will only be implemented/recommended when consistent with the client's stated investment objectives, tolerance for risk, liquidity and suitability. FINANCIAL PLANNING We provide financial planning services. Financial planning services are included as an added benefit to our investment advisory service. Financial planning is a comprehensive evaluation of a client's current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. Through the financial planning process, all questions, information and analysis are considered as they impact and are impacted by the entire financial and life situation of the client. In general, the financial plan can address any or all of the following areas:
• PERSONAL: We review family records, budgeting, personal liability, estate information and financial goals.
• TAX & CASH FLOW: We analyze current income tax and future tax liability, based on the structure of the investment portfolio and on planned retirement withdrawals.
• INVESTMENTS: We analyze investment alternatives and their effect on the client's

portfolio.
• INSURANCE: We review existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile.
• RETIREMENT: We analyze current strategies and investment plans to help the client achieve his or her retirement goals.
• DEATH & DISABILITY: We review the client's cash needs at death, income needs of surviving dependents, estate planning and disability income.
• ESTATE: We assist the client in assessing and developing long-term strategies, including as appropriate, living trusts, wills, review estate tax, powers of attorney, asset protection plans, nursing homes, Medicaid and elder law.
• COLLEGE PLANNING: We review college funding needs and available options.
• HEALTH CARE PLANNING: We analyze your estimated future healthcare costs and the effects on your retirement planning.
• MEDICARE SPECIALIST ANALYSIS: We provide access to a Medicare consultant to help review your Medicare options
• MORTGAGE AND REFINANCE RESOURCES: We provide guidance on your mortgage and refinance decisions with access to third-party mortgage referrals.
• SOCIAL SECURITY PLANNING: We help you evaluate your Social Security options, based on your age, marital status, and financial need, to help guide you with your application decisions. We gather required information through in-depth personal interviews. Information gathered includes the client's current financial status, tax status, future goals, returns objectives and attitudes towards risk. We carefully review documents supplied by the client, including a questionnaire completed by the client, and prepare a written report. Should the client choose to implement the recommendations contained in the plan, we suggest the client work closely with his/her attorney, accountant, insurance agent, and/or other professionals. Implementation of financial plan recommendations is entirely at the client's discretion. We also provide general non-securities advice on topics that may include tax and budgetary planning, estate planning and business planning. Typically the financial plan is presented to the client within six months of the contract date, provided that all information needed to prepare the financial plan has been promptly provided. Financial Planning recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. All recommendations are of a generic nature. PUBLICATION OF PERIODICALS OR NEWSLETTERS Baron Financial Group, LLC publishes a quarterly newsletter providing general information on various financial topics, including, but not limited to, estate and retirement planning, market trends, etc. No specific investment recommendations are provided in this newsletter and information provided does not purport to meet the objectives or needs of any individual. This newsletter is distributed free of charge to our advisory clients. AMOUNT OF MANAGED ASSETS As of 12/31/2023, we were actively managing $327,656,705 of clients' assets on a discretionary basis plus $4,124,305 of clients' assets on a non-discretionary basis.