The Baker Team
Your Financial Future Deserves More Than a 1‑800 Number
Time-tested fiduciary experience with next-generation insight.
Personalized guidance from a multi-generational family team.
The Challenge
The Decisions Get Harder From Here
You've spent decades building your wealth. But the closer you get to retirement — or the deeper you get into it — the more complex the decisions become.
These are the kinds of concerns that deserve more than a generic answer — they deserve a team that knows you, your story, and your goals.
How do I know if my plan is actually built to last — especially if the market drops at the wrong time?
Am I paying more in taxes than I need to? Is there a smarter way to draw from my accounts?
I'm navigating a major life change — retirement, the loss of a spouse, an inheritance — and I need guidance I can trust.
I want a real relationship with my advisor, not a rotating cast of names I'll never remember.
Our Approach
A Plan Built Around Your Life
The Baker Team doesn't start with products or performance charts. We start with a conversation — about your life, your priorities, and what financial confidence actually looks like for you.
Retirement Income Planning
A clear roadmap for how much you can spend, when you can retire confidently, and how to create reliable income that lasts.
Tax-Smart Strategies
When and how you pull money from your accounts matters. We help structure withdrawals to keep more of what you've earned.
Risk-Aware Investing
We plan specifically for market volatility — including the possibility of a downturn early in your retirement — so your savings aren't derailed by bad timing.
Guidance Through Life's Transitions
Retirement, the loss of a spouse, an inheritance, a family's changing needs — we're here for all of it, not just the easy conversations.
Our Team
A Family Team — Not a Call Center
T. Ray Baker, CFP®
Financial Advisor,
Founding Partner
Gavin Baker, CFP®
Financial Advisor
Jackson Baker
Financial Advisor
Chelsea Darrah
Sr. Client Relationship
Manager
The Baker Team is a multi-generational family practice led by T. Ray Baker, CFP®, with his sons Gavin Baker, CFP®, and Jackson Baker by his side, supported by senior client relationship manager Chelsea Darrah. With more than 30 years of combined experience, this isn't a firm where you'll be passed between departments or left talking to a voicemail box.
When you call, a real person answers — someone who knows your name and your story. And because this is a family practice with a built-in succession plan, you won't have to start over with a new advisor down the road.
“We tell people what they need to hear, not what they want to hear. That’s how trust gets built.”
— The Baker Team
Our Process
Your Path: The 6‑Step Process
We don't start with numbers — we start with you. Through thoughtful conversations, strategic planning, and ongoing partnership, we help you manage, grow, and preserve your wealth with confidence.
01
Introductory Conversation
A brief call to understand your goals, priorities, and timeline — and to confirm our fit.
02
Analysis
We review your full financial picture to find gaps, risks, and opportunities.
03
Mapping
We map a clear plan linking investments, taxes, and milestones to your priorities.
04
Implementation
Execute the plan, put strategies into action, and ensure everything aligns.
05
Optimization
Refine processes, identify gaps, and ensure maximum efficiency for your goals.
06
Review & Feedback
Evaluate outcomes, gather insights, and plan next steps to stay on track.
Schedule an Intro Call
Plano 5550 Granite Pkwy, Ste 180 · 972-502-9340
Nacogdoches 3556 NE Stallings Dr, Ste 101 · 936-560-9993
Tyler 2463 Mosaic Way · 903-561-5455
Wichita Falls 900 8th St, Ste 216 · 940-400-0750
Henderson 121 S. Main St · 903-747-1734
This is provided for informational purposes only and does not constitute investment, tax, or legal advice. Please consult with a qualified professional regarding your specific situation.
Advisory Services offered through Parkway Wealth Management Group, LLC., an SEC Registered Investment Adviser.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks