Bay Point Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$99,413,374
Clients
170
Advisors
1
of 1 employees
About
Bay Point Financial provides investment advisory and financial planning services to individuals (including high‑net‑worth clients), pension and profit‑sharing plans, trusts, estates, charitable organizations, and business entities. Services include portfolio management and financial planning, as well as retirement‑plan consulting and referrals to third‑party money managers and advisory programs.
The firm’s investment approach emphasizes passive, index‑based ETFs and globally diversified asset allocation informed by Modern Portfolio Theory, with client objectives documented in an Investment Policy Statement. Bay Point generally acts in a non‑discretionary, consultative capacity—recommending third‑party managers who typically hold trading discretion and supplying ongoing account reviews and plan implementation support.
What is atypical for an independent advisory firm of this size is the firm’s overlapping broker‑dealer and insurance activities and its fee‑sharing relationships with other advisors: the adviser is also a registered representative of a broker‑dealer and a licensed insurance agent, accepts commissionable sales, and directs clients to named third‑party advisory programs from which it receives a portion of manager fees. The combination of retirement‑plan work (including plan startup and consulting for pension/profit‑sharing plans), referral to specific third‑party managers, and a predominantly non‑discretionary advisory model distinguishes the firm from many peers.
Client services
Expertise
Fee options
Financial planning fixed fees from $0 to $10,000 depending on complexity; retirement consulting fees up to $500 per plan assessment; startup plans with no assets up to $3,000 for plan implementation.
$0+: 0.25% - 1.40% (Bay Point Financial, LLC fee portion) $0+: 0.10% - 1.00% (Third-party money manager fee portion) $0+: 0.03% - 0.35% (Brokerage/Clearing/Custody Fee)
Scott Sullivan, representative of Osaic Wealth Inc., may receive commissions for sale of securities and insurance products.
$125 to $300 per hour, based on complexity and experience required
Main office
2 Beaudoin St., Suite A
Bedford NH 03110
Advisors at this office
1
Most active in
New Hampshire · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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