Bay Pointe Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Bay Pointe Financial provides ongoing portfolio management, financial planning, and pension consulting to individuals, high‑net‑worth individuals, and employee benefit plans. The firm also offers insurance products and may recommend fee‑based annuities, including Registered Index‑Linked Annuities (RILAs), through its membership on the DPL Financial Partners platform.
The firm tailors advice using documented client profiles that capture income, tax status, time horizon and risk tolerance, and uses fundamental analysis and modern portfolio theory to construct model allocations; it typically seeks discretionary authority to manage accounts. Strategies include both long‑term and short‑term trading, regular portfolio monitoring, and the use of fee‑based annuities when a client’s objectives indicate a need for downside protection with growth potential.
What is most distinctive in the brochure is Bay Pointe’s active role in insurance distribution: it is licensed as an insurance producer, participates on the DPL platform, and discloses that commissions from insurance sales are paid to the firm and may be received by supervised persons listed as producers. The firm also requires clients to use specified custodians (Charles Schwab and/or American Funds) and operates with a small advisory team managing client accounts, features that shape how it delivers and documents advice relative to many peers.
Client services
Expertise
Fee options
Fixed financial planning fees negotiated between $1,000 and $12,000 based on complexity; ongoing financial planning fees up to $6,000 per quarter.
$0 - $250,000: 1.50% annually $250,000+: Tiered schedule up to 1.50% annually (negotiable)
Commissions from sale of insurance products (life, disability, term insurance, fixed rate annuities) paid to BPF.
Hourly financial planning fees negotiated between $100 and $500 per hour based on complexity.
Ongoing financial planning subscription billed quarterly, up to $6,000 per quarter.
Account minimum: $250,000 (household minimum, may be waived at discretion)
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 experience at Bay Pointe Financial in New Baltimore, MI. He previously worked with Bay Pointe Financial Management for six years and has a background that includes ownership of Anchor Bay Aquarium LLC. Bay Pointe Financial provides portfolio management, financial planning, and pension consulting to individuals, high-net-worth clients, and employee benefit plans. The firm integrates fundamental analysis and modern portfolio theory in its investment strategies and actively participates in insurance distribution through its affiliation with the DPL Financial Partners platform.
Mark P
Series 66
New Baltimore, MI
Bay Pointe Financial
Mark Pauwels Jr. is a financial advisor with Bay Pointe Financial, holding a Series 66 designation and 16 years of industry experience. Prior to joining Bay Pointe Financial in 2026, he worked for firms including Sigma Financial Corporation and Waddell & Reed Inc. He is also a licensed insurance agent appointed with various insurance companies. Bay Pointe Financial provides portfolio management, financial planning, and pension consulting primarily to individuals, high-net-worth clients, and employee benefit plans. The firm uses documented client profiles and a combination of fundamental analysis and modern portfolio theory to tailor investment strategies, often seeking discretionary authority and incorporating both long-term and short-term trading.
Brett B
CFP®, ChFC®, Series 63, Series 65
New Baltimore, MI
Bay Pointe Financial
Brett Busuttil is a financial advisor at Bay Pointe Financial with 13 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Bay Pointe Wealth, LLC, Sigma Financial Corporation, and MKD Wealth Coaches. Outside of advising, he is a licensed insurance agent appointed with various companies. Bay Pointe Financial provides portfolio management, financial planning, and pension consulting to individuals, high-net-worth clients, and employee benefit plans. The firm combines fundamental analysis and modern portfolio theory with insurance products and fee-based annuities to tailor strategies based on documented client profiles.
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