Melbourne, FL Office

The firm serves individual investors across the wealth spectrum, high‑net‑worth families, trusts, retirement plans and institutional clients, providing comprehensive financial planning, both discretionary and non‑discretionary portfolio management, retirement plan consulting, and related advisory services. It also offers estate and tax planning support, trustee and trust‑related work, and family office and concierge services such as bill pay, bookkeeping and payroll for clients who request those services.

Bay Colony’s investment process is primarily grounded in fundamental analysis and a long‑term orientation but incorporates model portfolios and access to third‑party sub‑advisers when appropriate; portfolios may include mutual funds, ETFs, individual securities, alternatives and private fund investments based on client suitability. The firm typically manages client assets on a discretionary basis, uses third‑party reporting and administrative platforms, and applies specific product restrictions (for example, prohibiting direct purchases of crypto while permitting crypto exposure via funds, and limiting leveraged/inverse ETFs to sophisticated clients).

What is distinctive about the firm is the combination of family‑office and concierge services alongside institutional retirement fiduciary offerings—ranging from non‑discretionary plan consulting to discretionary 3(38) plan management—and a structured practice model that permits advisor teams to run branded practices and select sub‑advisers or models. The firm also maintains programmatic capabilities to introduce private and interval fund opportunities to a limited set of qualified clients and operates custodial and platform relationships that provide research, reporting and operational support in connection with its advisory business.