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Our advisors provide a full range of investment and financial advisory services, including investment management and strategic asset allocation, retirement,estate and financial planning, business and executive benefit planning

We help our clients manage, grow and protect their wealth.

Our advisors provide a full range of investment and financial advisory services, including:

Investment management and strategic asset allocation
Our advisors are registered with LPL Financial, a full service broker/dealer and registered investment advisor. Through this relationship, we bring to our clients skilled investment management and investment advisory services. We employ an asset allocation process that synthesizes information about your investment needs, personal finances, investment objectives, investment time horizon and risk tolerance to arrive at an investment allocation customized to your circumstances. We offer guidance on investment alternatives and can help implement and administer your overall investment portfolio.

LPL Financial: Where Investor’s Goals Come First (Video)

Retirement planning
Whether you are still accumulating assets for retirement - or starting to think about turning those assets into income to support your post-retirement lifestyle - we can help you appropriately plan and structure your assets. Moreover, when you reach retirement, we can assist with income planning, monitoring, rebalancing, reallocating and transferring your wealth to meet evolving needs.

Estate planning
An effective estate plan allows you to protect the wealth you have accumulated over a lifetime and distribute it exactly as you wish. We can help you employ estate planning strategies to ensure that you have a sound retirement program, minimize taxes and provide for your surviving family. We can also help you manage sensitive family dynamics, trust planning or the equitable transfer of a family business. Our consultative approach helps ensure that the human factors are as important as protecting your estate from unnecessary taxes.

Financial planning
Whether it's developing a plan to accumulate wealth for retirement or college, a plan for a special needs child or a plan for an aging parent, Bay Financial can help. We work with you to develop a comprehensive, holistic plan that considers your current and future situation, your objectives, needs and values.

We may prepare a financial plan for you through Bay Financial Advisors, Inc., a separate company which is a Registered Investment Advisor.

Business planning
Businesses today need a reliable, knowledgeable and responsible team that can offer the right financial strategies to help support continual growth and success. Bay Financial can help your business by providing cost effective benefits for you and your employees, maximizing tax advantages and designing and implementing an exit and succession plan to protect your wealth.

Executive benefit planning
We offer executive benefit planning as an important consideration for business owners and corporate executives. This planning can involve several innovative strategies such as designing cost efficient supplemental executive retirement plans or helping you time the exercise of stock options to minimize the impact of income taxes and maximize your return on investment.

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