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, LLC advises individuals (including high-net-worth clients), trusts, estates, charitable organizations, corporations and retirement plans, offering financial planning, retirement plan consulting, and third‑party program consulting that steers clients to external money managers. The firm assists with implementation and rollover decisions and recommends specific third‑party platforms, including AssetMark and Focus Partners Advisor Solutions.
The firm’s investment approach emphasizes diversified, passive core allocations using index funds and ETFs and applies asset allocation and Modern Portfolio Theory, with client objectives documented in Investment Policy Statements. Bay Point generally operates on a non‑discretionary basis and does not accept trading discretion itself; instead, clients are directed to third‑party managers who typically hold discretionary authority under separate agreements.
Bay Point combines advisory services with other industry roles that are atypical for independents: a firm principal acts as a registered representative of a broker‑dealer and is a licensed insurance agent, and the firm receives fee‑sharing from third‑party managers—conflicts the brochure discloses and manages. The firm is a small multi‑person practice (one advisor and two administrative staff) with roughly $105 million in AUM across about 170 clients and includes pension and profit‑sharing plan clients, client types and affiliations that are less common among peers.
Client services
Expertise
Fee options
Financial planning fixed fees ranging from $0 to $10,000 based on complexity; retirement consulting fixed fees up to $500; startup retirement plan implementation fees up to $3,000
$0+: 0.25% - 1.40% $0+: 0.10% - 1.00% $0+: 0.03% - 0.35%
Commissions from sales of securities as registered representative and insurance agent; amount not specified.
$125 - $300 per hour, negotiable
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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