Nick Baker

Nick Baker IMG Financial Group, Inc is a comprehensive financial services firm committed to helping our clients Registered branch number: 713-622-1150.

“A goal without a written plan is simply a wish.”

Ask me how I can help you with the following:
-Investment Management
-Wealth and Estate Planning
-Retirement Income Strategies
-Risk Management Solutions
-Budget and Debt Management

Registered Representative & Investment Advisor Representative | Securities offered through Cetera Advisor Networks LLC,
member FINRA/SIPC. Advisory Services offered

through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.

06/02/2026

Does your financial picture look like this?

→ One checking account doing all the heavy lifting
→ No savings buckets for different goals
→ Scattered investments with no clear strategy
→ No tax planning
→ Insurance policies that were never optimized
→ No estate plan

If so, you're not alone — but you do need a plan.

05/28/2026

Roth vs. Traditional 401(k)

Which is better?

Like most financial planning decisions — it depends on your situation, tax bracket, and long-term strategy.

A simple way to think about it:

Traditional 401(k):
• Contributions may reduce taxable income today
• Investments grow tax-deferred
• Withdrawals are taxed as ordinary income in retirement
• Subject to required minimum distributions (RMDs)

Roth 401(k):
• Contributions are made with after-tax dollars
• Investments grow tax-free
• Qualified withdrawals in retirement are tax-free
• No income limits to contribute through an employer plan
• RMD rules have largely been eliminated for Roth 401(k)s

In general:

A Traditional 401(k) can make sense when your current tax bracket is higher than what you expect later in retirement.

A Roth 401(k) can make sense when you believe taxes — or your income — may be higher in the future.

For many high earners, the answer is not always one or the other. Different stages of life may call for different strategies, and sometimes using both creates additional flexibility in retirement planning.

05/26/2026

A good financial planner isn’t just for investing.

In many cases, the value comes from organization, coordination, tax planning, and helping clients make confident decisions.

Hiring a financial planner may make sense if:

• You own a business
• Your tax bill continues to grow
• You receive equity compensation or stock options
• Your financial life has become more complex
• You simply don’t have the time to manage everything properly
• Important financial tasks keep getting delayed
• You and your spouse struggle to align on financial decisions
• You prefer professional guidance instead of doing it all yourself
• You feel anxious or uncertain about whether you’re making the right financial moves

Often the biggest benefit is clarity — having a structured plan and someone helping you execute it consistently over time.

05/21/2026

A few common Roth IRA misconceptions we hear regularly:

• “I make too much to contribute.”
Direct contributions may be phased out at higher income levels, but strategies like the Backdoor Roth IRA can still work in many cases. Just be mindful of the pro rata rule.

• “My spouse can’t contribute because they don’t work.”
A non-working spouse may still be eligible through a spousal Roth IRA if household earned income requirements are met.

• “You can’t access the money until age 59½.”
Roth IRA contributions (not earnings) can generally be withdrawn tax and penalty free at any time, including contributions made through a backdoor strategy.

Small details in retirement planning can create meaningful long-term opportunities when structured correctly.

05/19/2026

I primarily work with two types of people: Wealth Starters and Wealth Builders.

Wealth Starters are early in the journey — buying a first home, paying off debt, combining finances, starting a family, or just making good money and wanting to make sure they're doing it right. They need structure, clarity, and a plan.

Wealth Builders are in the thick of it — peak earning years, multiple accounts, busy schedules, and a financial life that's gotten more complex. They need coordination, tax efficiency, and someone thinking 5–15 years ahead so they don't have to.

Two different stages. Same goal: building a financial life that actually works.

If either of those sounds like you — or someone you know — I'd love to connect.

05/19/2026

Your business entity structure shouldn’t stay on autopilot forever.

What made sense when profits were lower may not be the best setup as the business grows.

A lot of businesses start as a simple LLC taxed as a sole proprietorship because it’s clean and flexible. But over time, an S-Corp, Partnership, or even C-Corp election can become more efficient depending on income, growth plans, and tax strategy.

Your entity structure affects things like:

• How much tax you actually pay
• Self-employment taxes
• Owner compensation strategy
• Available deductions
• Ability to retain/reinvest profits
• PTET eligibility
• Long-term planning opportunities like QSBS

Good planning isn’t just investment selection — it’s making sure the business itself is structured efficiently.

Worth revisiting every few years.

05/07/2026

Most people wing it with their finances.

They invest when they remember. They spend what's available. And they call it a plan.

It's not.

Once a year, you should sit down and do a full financial review — look at where your money actually went, whether you're on track, and what needs to change.

It's one of the highest-value things you can do for your financial life, and most people never do it.

Want to stop "winging," it? Let's chat:

05/05/2026

If you:
- Don’t carry credit card debt
- Have an emergency fund
- Contribute to your 401(k) at least up to the match
- Max your Roth every year
- Consistently have a monthly surplus

You’re already ahead of a huge percentage of people

Even if it doesn’t always feel like it.

This is the foundation most people never fully build.

Believe it or not, if you AREN'T here... you can get here. Get in touch with me on how to make a plan to get ahead:

04/30/2026

Some well-meaning financial guidance can actually work against you — and it doesn't always come from where you'd expect.

HR departments do important work, but optimizing your personal finances isn't part of their role. That means guidance on things like insurance elections, bonus taxation, equity compensation, and retirement plan decisions may not account for your full financial picture.

The same is true of other trusted professionals you work with — your banker, your realtor, your car salesperson. They're specialists in their lane, and that's valuable. But their advice is naturally shaped by their area of focus, not your broader financial goals.

Good financial decisions require context across taxes, cash flow, investments, and long-term planning — all at the same time.

Use every professional in the right role. Just make sure someone is looking at the whole picture.

04/28/2026

One underrated perk of a well-built taxable account — you can borrow against it at surprisingly low rates.

Clients use it for all kinds of things:

• Down payments
• Buying a business
• Home renovations
• Short-term cash needs

The dollars stay invested. The rates are relatively low. And depending on the structure, there can be real tax advantages too.

Go in with a plan — know how much you're taking and how you're paying it back.

One of the better tools available right now for the right client.

Schedule time to visit with me here:

*Borrowing against a taxable investment account involves risks and may not be appropriate for all investors. Loans secured by securities are subject to collateral requirements, variable interest rates, and lender terms, and a decline in account value may result in a demand for additional collateral or liquidation of assets. Tax considerations vary based on individual circumstances and loan structure; potential tax advantages are not guaranteed. This information is provided for informational purposes only and is not intended as investment, tax, or legal advice. Consult your financial, tax, and legal professionals before implementing any strategy.

Address

4550 Post Oak Place Ste 125
Houston, TX
77027

Telephone

+17136221150

Website

Alerts

Be the first to know and let us send you an email when Nick Baker posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Nick Baker:

Shortcuts

Share

Category