# Tracy Baron Garcia

> Tracy Baron Garcia is a fee-only financial advisor at TBG Investing in Lake Oswego, Oregon, who holds the CFP and MBA credentials. Tracy charges an ongoing planning fee and a one-time planning fee (ongoing planning from $3,600 a year) and focuses on tax planning, estate & legacy planning and retirement planning.

Page: https://find.wellspent.co/advisors/tracy-baron-garcia/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** TBG Investing
- **Based in:** Lake Oswego, Oregon
- **Fee model:** Ongoing planning fee; One-time planning fee
- **Fees (firm's website):** ongoing planning from $3,600 a year
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $3.4M across 12 accounts
- **Credentials:** CFP, MBA
- **Specialties:** Tax planning, Estate & legacy planning, Retirement planning, Student loans, Divorce financial planning, Small business owners
- **Works with:** Founders, Retirees, Pre-retirees, Mid-life transitions, Divorced individuals
- **CRD:** 4910033 (https://adviserinfo.sec.gov/individual/summary/4910033)
- **SEC registration:** Investment adviser representative in IL, OR
- **Exams passed:** Series 63 (2005), Series 65 (2019)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://tbginvesting.com

## Frequently asked questions

### Is Tracy Baron Garcia a fee-only financial advisor?

Yes. Tracy Baron Garcia is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Tracy's firm.

### How does Tracy charge for financial advice?

Tracy charges an ongoing planning fee and a one-time planning fee.

### How much does Tracy charge?

According to TBG Investing's website, checked October 28, 2026: ongoing planning from $3,600 a year.

### Where is Tracy Baron Garcia based?

Tracy Baron Garcia is based in Lake Oswego, Oregon.

### What does Tracy specialize in?

Tracy's specialties include tax planning, estate & legacy planning, retirement planning, student loans, divorce financial planning and small business owners. Tracy works with founders, retirees, pre-retirees, mid-life transitions and divorced individuals.

### What credentials does Tracy Baron Garcia hold?

Tracy Baron Garcia holds the CFP and MBA credentials.

### Is Tracy Baron Garcia registered with the SEC?

Yes. Tracy Baron Garcia is registered as an investment adviser representative in IL and OR (CRD 4910033), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does TBG Investing manage?

TBG Investing reports $3.4M across 12 accounts in assets under management.

### How do I contact Tracy Baron Garcia?

Through Tracy's website, tbginvesting.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/52105): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.tbginvesting.com/): specialties, clients served, and fees, checked October 28, 2026

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