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The Essential FORMula™

Over the years, we have developed and refined a proprietary process called “The Essential FORMula™”

Our process integrates wealth management with risk and debt management, tax planning and philanthropy. Our goal is to take all the pieces of your unique financial puzzle and put them in place. 

To understand our approach, we must first begin with a brief introduction to Essentialism.  Essentialism is the disciplined pursuit of less, but better.  An Essentialist applies a highly selective criteria to decision making, and is constantly evaluating and eliminating the non-essentials to make space to focus on what truly matters.  This approach is the core of our Essential FORMula.  It allows us to focus together on investing in what truly matters, for what truly matters, eliminating the noise of the non-essentials.  The path of an Essentialist provides a blueprint with defined steps to take to achieve a Work Optional Lifestyle and help secure a Family Investment Legacy.

Our process integrates with our clients' personal and financial aspirations to distinguish the vital few from the trivial many.

"At Barko Financial, we believe that your financial well-being demands attention to detail; objective personal solutions; and engagement with the world around us."

Our Essential FORMula allows us to focus on two essential details: What MATTERS and what we can CONTROL.  


We never lose sight of WHY Financial Independence is important and apply highly selective criteria to filter the non-nonessentials.  We maintain focus on what matters most to the families we serve.  This is the FORM in our Essential FORMula:

1. Family

2. Occupation

3. Recreation

4. Money

Family legacy, Occupational pursuits, and Recreational aspirations are the WHY in our Philosophy and direct each decision we make.  The Money?  Well, that's the HOW, and that's where we come in.  We have a process to filter the noise and focus on what's ESSENTIAL, to help you face the future with anticipation rather than apprehension.


There is so much that goes on in the world, the economy and the financial markets that is out of our control, and to be candid, we don't spend a lot of time worrying about those things.  Those "winds" are always blowing and always changing, but we believe that it's not the wind we should focus on, it's the set of the sail.

What allows us to remain focused on what we can control starts with 3 Ps.

1. Philosophy

2. Planning

3. Process

Our PHILOSOPHY revolves around FORM and we believe that while each of our clients aspirations are aligned with FORM, there are no cookie cutter solutions.  We employ a four fold, panoramic PLANNING strategy that is assembled through three distinct phases - Explore, Essentialize, and Execute. Lastly, its our proprietary Essential FORMula that puts all of this together, at the intersection of what MATTERS and what we can CONTROL.  Our process is set to sync with life as it unfolds and as Critical Financial Events occur, providing clarity and comfort and inspiring confidence.

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