Bay Capital

Bay Capital provides portfolio management and wealth management services primarily to individual and high‑net‑worth clients, managing about $56 million across roughly 165 client relationships. Its programs are delivered on both discretionary and non‑discretionary bases and invest mainly in mutual funds, ETFs, closed‑end funds and variable insurance contracts through distinct strategies labeled Strategic Income, Moderate Allocation, and Growth (each with stated account minimums).

The firm follows an active, rules‑based asset allocation process that relies on technical analysis and a daily focus on risk management to increase exposure in favorable markets and decrease it in unfavorable ones. Its approach includes tactical sector rotation (notably among bond categories), selection of third‑party quantitative managers, and occasional use of leveraged and inverse ETFs with the ability to reduce market exposure or fully exit positions—practices consistent with explicit market‑timing decisions executed under discretionary authority.

Noteworthy for a firm of its size, Bay Capital’s supervised persons are also registered representatives of a broker‑dealer and licensed insurance agents, so they may receive commissions for separate brokerage or insurance transactions even though commissions are not charged on the managed accounts the firm oversees. The firm also maintains custodial relationships with AXOS Clearing and a broker‑dealer affiliate, conducts daily account reviews, and separately compensates outside managers, features that can materially influence trade execution and portfolio composition relative to many peers.