Annapolis, MD Office

Back Bay Financial Planning & Investments serves individual and high‑net‑worth clients with discretionary investment management and project‑based financial planning on a fee‑only basis. The firm coordinates with third‑party professionals when appropriate and may include insurance products as part of a client’s long‑term plan.

The firm’s investment process emphasizes asset allocation and a blend of passive and active strategies informed by fundamental, technical and cyclical analysis and modern portfolio theory. It commonly uses outside managers and platform programs for model portfolios and manager selection, and may engage specialized sub‑advisors to implement strategies such as box‑spread options for lending purposes.

Noteworthy aspects of the firm include operating with a very small advisory team while having recently transitioned to SEC registration and updated its service mix to emphasize fee‑based annuities via a third‑party insurance platform. The brochure also highlights the firm’s use of multiple institutional platforms and outside managers alongside these insurance and options‑based offerings, a combination that is less typical among similarly sized peers.