We help our clients manage, grow and protect their
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
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.
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.
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.
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.
CLICK HERE to download the Bay Financial Associates Brochure