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Our Services: Wealth Management

INVESTMENT PLANNING
Doing what others cannot. While most investment institutions are constrained by their own product offerings, Bay Financial remains objective. We have no exclusive allegiance to any single money manager, fund family, investment or insurance product.

That's because, as our client, your interest comes first.

This objectivity, which allows us to select products form the broadest array available, enables us to truly customize your plan.

WEALTH TRANSFER
How you plan the distribution of your assets helps define who you are, how you think of yourself, your aspirations, and your sense of purpose in life - how others will know and remember you.

For instance, it is possible to set up trusts for heirs, contributing to your peace of mind and expressing your love and concern. It is also possible to donate property to charities while retaining lifetime ownership and use.

Business succession planning helps you structure a plan that ensures you and your family maximize the value of your company. Working with the right team of knowledgeable professionals who understand your personal vision, wealth transfer can be the most fulfilling project you ever undertake.

CHARITABLE PLANNING
Bay Financial provides the following services:

1) Assistance In The Design Of The Charitable Trust
Including: modeling of cash flow, projection of tax implications and potential gifts. Priority is given to the donor's financial objectives and unique needs.

2) Assistance In The Drafting Of The Charitable Trust
Our attorney will work with your attorney and assist in the drafting of your trust. Alternatively, recognizing this is a highly specialized field we will refer a local attorney who is familiar with this area.

3) Advisory Services For Charitable Trust Investments
The trust investments should be handled in a tax-efficient manner in accordance with the donor's needs and objectives.

4) Administrative Services
We provide comprehensive record keeping, four-tier accounting, income distributions, annual reporting, federal tax reporting and ongoing client communication. We also monitor the changing tax environment.