Timothy Baker

Retirement, Investing, Lifestage Based Planning
“WealthShape was built on the belief that advice and investment design should rely on long term, proven evidence and everyone should have access to it. We engineer advanced, institutional grade portfolios and responsibly deliver our services at a low cost to investors from all walks of life. ”

WealthShape LLC

Job Title:

Founder & CEO


Timothy Baker, CFP® is the founder and CEO of WealthShape, a Connecticut based independent advisory firm built on innovation, responsibility and the real world application of research.

Tim has held positions as an advisor, consultant, portfolio manager, and vice president for institutional money management firms with billions of dollars in assets under management. He created WealthShape after spending more than a decade traveling across the United States educating investors from all walks of life. His goal is to help clients understand the benefits of disciplined investing, the importance of planning, and above all, the significance of focusing on the things they control to improve their quality of life.

WealthShape delivers evidence based investment solutions and high quality advice at a low cost. Clients are provided access to all investments, goals and progress in one easy to understand, secure location. The company operates under the belief that financial planning shouldn’t be static but rather vibrant and ongoing all while upholding the highest level of fiduciary responsibility.

Tim works with individual clients, businesses, and institutions in Connecticut and throughout the country. He has appeared numerous times as a guest on Wharton Business Radio and frequently contributes to media outlets including Financial Advisor IQ, The Wall Street Journal, CNBC and The New York Times.

He is a CERTIFIED FINANCIAL PLANNER™ professional holding a Bachelor of Science and Masters of Business Administration from Southern Connecticut State University where he was a 4 year member of the track and field team.

Tim and his wife Danielle are both avid runners and lifelong New England residents. 


BS, Business Administration, Southern Connecticut State University
MBA, Southern Connecticut State University

Fee Structure:


CRD Number:



WealthShape, LLC provides this communication as a matter of general information. No one should assume that any discussion or information contained in this material serves as a receipt of, or as a substitute for, personalized investment, tax or legal advice.

  • Advice and Investment Design Should Rely on Reason. Not Speculation.
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    Retirement, Asset Allocation
Should I change the date of my target-date funds because I am cautious of the market?
100% of people found this answer helpful

I would caution against making any change for the reasons of speculation on what could, or could not, take place. If the target date 2025 is right for you from a long-term asset allocation perspective today, there’s no reason to suggest it should change. As we speak, markets are adjusting to the collective interpretations of millions of investors. We have to assume that current market prices are good estimates of underlying value because these sentiments are being absorbed into prices.

My recent Investopedia article: Democrats, Republicans and Your Investment Portfolio

Timing the market, even with slight adjustments, can have significant long term impacts on your portfolio. Research has shown that discipline is a far better ally to long term investors.

Hope this helps.



January 2017
    Marriage / Divorce, Real Estate, Taxes
Are there tax benefits to buying a home and getting married in the same year?
100% of people found this answer helpful
October 2016
    Investing, ETFs
How should rising inflation affect my investment portfolio?
100% of people found this answer helpful
January 2017
    Financial Planning
How do the current US fiscal and monetary policies affect the financial performance of large companies?
100% of people found this answer helpful
October 2016
    401(k), IRAs
Can I now contribute to a tax-deductible IRA if I lost my job, where I had contributed to a 401k in that same year?
100% of people found this answer helpful
October 2016