# James Baccarini

> James Baccarini is a fee-only financial advisor at Aggregate Financial Services in Navarre, Florida, who holds the CFP credential. James focuses on retirement planning. Aggregate Financial Services reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/james-baccarini/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Aggregate Financial Services
- **Based in:** Navarre, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $3.6M across 73 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning
- **CRD:** 7689668 (https://adviserinfo.sec.gov/individual/summary/7689668)
- **SEC registration:** Investment adviser representative in CA, FL
- **Exams passed:** Series 65 (2023)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://aggregatefinancialservices.com/

## Frequently asked questions

### Is James Baccarini a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: James holds no broker registration, and Aggregate Financial Services reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does James charge for financial advice?

James's firm, Aggregate Financial Services, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Does James work with clients virtually?

Yes. Aggregate Financial Services says on its website that it works with clients remotely.

### Where is James Baccarini based?

James Baccarini is based in Navarre, Florida.

### What does James specialize in?

James's specialties include retirement planning.

### What credentials does James Baccarini hold?

James Baccarini holds the CFP credential.

### Is James Baccarini registered with the SEC?

Yes. James Baccarini is registered as an investment adviser representative in CA and FL (CRD 7689668), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Aggregate Financial Services manage?

Aggregate Financial Services reports $3.6M across 73 accounts in assets under management.

### How do I contact James Baccarini?

Through James's website, aggregatefinancialservices.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7689668): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://aggregatefinancialservices.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.