Bay Pointe Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Bay Pointe Financial provides discretionary portfolio management, financial planning, and pension consulting to individuals, high‑net‑worth individuals, and employer-sponsored pension/profit‑sharing plans, managing roughly $116 million for about 122 clients. The firm also offers advice on insurance-based retirement products and implements client accounts custodied through a designated custodian.
The firm’s investment process combines fundamental analysis and modern portfolio theory with both long‑term and short‑term trading, and it creates individualized client profiles to determine asset selection, allocation, and documented risk tolerance. BPF seeks discretionary trading authority for managed accounts, may use model allocations alongside tailored recommendations, and will recommend fee‑based annuities (including Registered Index‑Linked Annuities and income annuities) when those products align with a client’s objectives for downside protection or guaranteed income.
What distinguishes the firm from many peers is its affiliation with DPL Financial Partners and its use of that platform to access insurance products, while several supervised persons are also licensed insurance agents who may receive commission compensation for insurance sales (a conflict the firm discloses and documents). The firm also requires use of a specific custodian for managed accounts and discloses receipt of custodial research and other services, which may create soft‑dollar benefits that it says are considered when selecting custodians.
Client services
Expertise
Fee options
Fixed fees for financial plans: $1,000 to $12,000 based on complexity; ongoing financial planning up to $6,000 per quarter.
$0 - $250,000: 1.5% annually $250,000+: Tiered rates up to 1.5% annually (negotiable)
Commissions for insurance product sales by supervised persons.
$100 to $500 hourly based on complexity of services.
Ongoing financial planning billed quarterly, up to $6,000 per quarter.
Account minimum: $250,000 (household account minimum, may be waived)
Main office
36631 Green Street
New Baltimore MI 48047
Advisors at this office
3
Most active in
Michigan · Missouri · Texas
Also doing business as
Bay Pointe Financial · Bay Pointe Financial · Bay Pointe Wealth LLC · Bay Pointe Wealth, LLC
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.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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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.
Advisors at this firm
Matthew W
CFP®
New Baltimore, MI
Bay Pointe Financial
Matthew Walschlager is a CFP® professional with one year of industry experience, currently serving at Bay Pointe Financial. His prior work includes six years at Bay Pointe Financial Management and four years with Anchor Bay Aquarium LLC. Bay Pointe Financial offers discretionary portfolio management, financial planning, and pension consulting to individuals, high-net-worth individuals, and employer-sponsored pension plans. The firm combines fundamental analysis and modern portfolio theory in its investment process and utilizes the DPL Financial Partners platform to provide access to insurance products.
Mark P
Series 66
New Baltimore, MI
Bay Pointe Financial
Mark Pauwels Jr. is a financial advisor at Bay Pointe Financial with 15 years of industry experience. He holds a Series 66 designation and previously worked at Sigma Financial Corporation and Waddell & Reed Inc. Outside of advising, he is a licensed insurance agent appointed with various companies. Bay Pointe Financial provides discretionary portfolio management, financial planning, and pension consulting to individuals, high-net-worth clients, and employer-sponsored plans. The firm combines fundamental analysis and modern portfolio theory to create individualized investment strategies and offers insurance-based retirement products aligned with clients’ objectives.
Brett B
CFP®, ChFC®, Series 65, Series 63
New Baltimore, MI
Bay Pointe Financial
Brett Busuttil is a CFP® and ChFC® with 13 years of industry experience. He currently works at Bay Pointe Financial and previously spent nine years at Sigma Financial Corporation/Spc. He is a licensed insurance agent and co-owner of a commercial property holding company in St. Clair, Michigan. Bay Pointe Financial provides discretionary portfolio management, financial planning, and pension consulting to individuals, high-net-worth clients, and employer-sponsored plans. The firm combines fundamental analysis and modern portfolio theory with tailored client profiles to guide investment decisions and incorporates insurance products when aligned with client goals.
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