Esther Z. Rosenthal joined Bay Financial Associates LLC in 1984. In 1989, she became Manager of the Investment Department and serves as one of the Compliance Designees for Bay Financial Associates, LLC. She works with all the Associates in the areas of investment analysis, research, risk tolerance assessment, evaluation of existing investments, asset allocation models, portfolio design and implementation and review of investments. Additional responsibilities include training, dissemination of information pertaining to important developments in the investment area, and promotion of ideas and approaches to financial planning. Ms. Rosenthal is a member of the Financial Planning Association and the Greater Boston Chapter of the Financial Planning Association.