Baring Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers. Financial planning was provided to 251–500 clients last fiscal year.
Baring Financial reports 483 clients. They include 429 individual clients and 54 high-net-worth individuals. Of its assets, 100.0% ($210M across 1,014 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 89% | 41% |
| High-net-worth individuals | 11% | 59% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 429 | $87.1M | 41.4% | $203K |
| High-net-worth individuals | 54 | $123M | 58.6% | $2.28M |
| Total | 483 | $210M | 100% | $435K |
- Clients
- 429
- Regulatory AUM
- $87.1M
- AUM share
- 41.4%
- Avg. per client
- $203K
- Clients
- 54
- Regulatory AUM
- $123M
- AUM share
- 58.6%
- Avg. per client
- $2.28M
Total
- Clients
- 483
- Regulatory AUM
- $210M
- AUM share
- 100%
- Avg. per client
- $435K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Baring Financial is paid through a percentage of assets under management. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure.
Melvin Danson owns 75% or more of Baring Financial. The leadership team of Baring Financial includes President Melvin Danson. It has 3 employees, 2 of them in advisory roles.
Leadership
- Melvin DansonPresident, CCO
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 2 in advisory functions
- 2 state-registered reps
- 1 insurance agent
- 1 soliciting firm
- Owns 75% or more of Baring Financial LLC
Melvin Danson
Control person · since January 2016
Baring Financial’s regulatory assets grew 1.9× from $110M (July 2022) to $210M (February 2026); clients rose from 348 to 483 and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $210M | 483 | 3 | 1 |
| February 2025 | $188M | 472 | 3 | 1 |
| March 2024 | $136M | 559 | 3 | 1 |
| February 2023 | $110M | 516 | 3 | 1 |
| July 2022 | $110M | 348 | 3 | 1 |
Besides its headquarters, Baring Financial has 0 offices, with 1 listed address in Washington.
Washington · 1 listed address
- 1310 10th St, Suite 101, BellinghamHQ
Contact and registration details
- Legal name
- Baring Financial LLC
- Headquarters
- 1310 10th St, Suite 101, Bellingham, WA 98225
- Website
- Not reported
- Phone
- 360-671-7257
- SEC file
- 801-122840
- Structure
- Washington LLC
- Fiscal year end
- December
Baring Financial uses Charles Schwab ($205M) as custodian for its separately managed accounts. Baring Financial has custody of $86.1M in client assets for 168 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $205M100%
At year end, Baring Financial’s separately managed accounts were mostly in funds (67%) and stocks (25%). Its reported 13F holdings for the quarter ended 30 June 2026 total $182M across 86 positions; the largest are iShares TR (10.0%), Invesco Exch Traded FD TR II (7.5%) and Vanguard World FD (5.3%).
What the accounts hold
- Stocks25%
- Exchange-traded equities24%
- Non-exchange-traded equities1%
- Funds67%
- Bonds8%
- U.S. government and agency bonds6%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash6%
Reported 13F holdings
- $182M
- Reported 13F value
- 86
- Positions
- 46.9%
- In the 10 largest
- +11.1%
- Value vs. prior quarter
- iShares TR · Core S&P500 ETF10.0%
- Invesco Exch Traded FD TR II · Nasdaq 100 ETF7.5%
- Vanguard World FD · Mega Grwth Ind5.3%
- Schwab Strategic TR · US Lcap VA ETF4.5%
- Dimensional ETF Trust · Intl Core EQT MK3.8%
- Invesco Qqq TR · Unit Ser 13.5%
- SPDR Series Trust · ST Str Blo 1 ETF3.2%
- iShares TR · 0-3 Mth Treasury3.2%
- Berkshire Hathaway Inc. Del · CL B New3.0%
- Vanguard Specialized Funds · Div App ETF3.0%
Together, the ten largest are 46.9% of reported value.
How many clients does Baring Financial have?
Baring Financial has 483 clients and manages $210 million for them, as of February 2026. They include 429 individual clients and 54 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 11 February 2026
What services does Baring Financial offer?
Baring Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Baring Financial use?
Baring Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $205M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 February 2026
How many financial advisors does Baring Financial have?
Baring Financial has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Baring Financial invest in?
At the end of its last fiscal year, Baring Financial’s separately managed accounts held 67% registered funds (mutual funds, ETFs, BDCs), 24% exchange-traded equities, 6% U.S. government and agency bonds, 6% cash and equivalents, 1% non-exchange-traded equities, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Baring Financial?
Baring Financial’s direct owner is Melvin Danson (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 11 February 2026
How does Baring Financial get paid?
Baring Financial is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Baring Financial registered with the SEC?
Yes, Baring Financial has been registered with the SEC as an investment adviser since 9 December 2021. Its CRD number is 173761 and its SEC file number is 801-122840.
Source: Form ADV Part 1A, Item 1, filed 11 February 2026; IAPD firm record
How do I contact Baring Financial?
Baring Financial’s main office is at 1310 10th St, Suite 101, Bellingham, WA 98225. Its phone number is 360-671-7257.