# James Munchbach

> James Munchbach is a fee-only financial advisor at BayRock Financial in Friendswood, Texas, who holds the CFP and ChFC credentials. James focuses on small business owners, founders (pre-exit) and tax planning. BayRock Financial reports charging a percentage of assets and hourly fees on its Form ADV.

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

## Facts

- **Firm:** BayRock Financial
- **Based in:** Friendswood, Texas
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $61.0M across 259 accounts
- **Credentials:** CFP, ChFC
- **Specialties:** Small business owners, Founders (pre-exit), Tax planning, Retirement planning, Estate & legacy planning
- **Works with:** Founders
- **CRD:** 3062608 (https://adviserinfo.sec.gov/individual/summary/3062608)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 63 (1998), Series 66 (2015)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://bayrockfinancial.com/

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: James holds no broker registration, and BayRock Financial 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, BayRock Financial, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is James Munchbach based?

James Munchbach is based in Friendswood, Texas.

### What does James specialize in?

James's specialties include small business owners, founders (pre-exit), tax planning, retirement planning and estate & legacy planning. James works with founders.

### What credentials does James Munchbach hold?

James Munchbach holds the CFP and ChFC credentials.

### Is James Munchbach registered with the SEC?

Yes. James Munchbach is registered as an investment adviser representative in TX (CRD 3062608), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does BayRock Financial manage?

BayRock Financial reports $61.0M across 259 accounts in assets under management.

### How do I contact James Munchbach?

Through James's website, bayrockfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3062608): 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://bayrockfinancial.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.