BayRock Financial, L.L.C.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
BayRock Financial, L.L.C. provides fee-only investment management and financial planning services to individuals, families, retirees, business owners, trusts, estates, and retirement plans. The firm offers retirement planning, cash flow and budgeting analysis, risk management review, estate and tax planning coordination, and advisor coordination as part of its advisory services.
BayRock tailors advice to each client’s circumstances and generally constructs diversified, long-term portfolios using ETFs, mutual funds, individual equities, fixed income, and cash equivalents; it may use covered-call strategies in appropriate accounts as a conservative income-enhancement tactic and does not engage in speculative trading as a primary approach. Financial planning is often integrated into advisory relationships and the firm uses planning tools such as RightCapital and may deliver ongoing or subscription-based planning arrangements rather than standalone written plans in every engagement.
Compared with peers, BayRock’s client mix is notable for the absence of high-net-worth individuals and for serving retirement plan clients including defined benefit pension plans despite a modest advisor count and about $61 million in assets under management. The firm also engages in public educational activities (books, articles, podcasts, courses) and discloses use of AI tools to support operations and content, with review procedures intended to address compliance considerations.
Client services
Expertise
Occupation focus
Fee options
Financial planning services may be offered on a fixed-fee basis; specific amounts not stated
$0 - $500,000: 1.50% $500,001 - $2,000,000: 1.25% $2,000,001 - $5,000,000: 1.00% $5,000,001+: 0.75%
$250 per hour
Ongoing financial planning and consulting services may be provided through recurring subscription arrangements; specific fees vary
Account minimum: $50,000 Fee-only: Fee-only fiduciary adviser; no commissions or sales loads received
Main office
Friendswood TX
Advisors at this office
2
Most active in
Texas
Also doing business as
Bayrock Financial, L.L.C. · Bayrock Financial, LLC · Family Wealth Builder
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
Forms ADV
Quick links
Advisors at this firm
Kevin L
Series 63
Friendswood, TX
BayRock Financial, L.L.C.
Kevin Londergan is a financial advisor at BayRock Financial, L.L.C. with 22 years of industry experience. He holds a Series 63 designation and is also a partner in the CPA firm Bond, Snider, Glaw & Londergan, LLP, which focuses on income and estate tax planning, tax return preparation, asset protection, and business advisory services for small business owners. He is part owner of Oglesby & Londergan Financial Services, Inc., a tax planning and small business advisory firm. BayRock Financial serves individual investors and other advisers by providing discretionary portfolio management and financial planning services. The firm emphasizes customized portfolios and ETF-based model allocations, integrating financial planning with investment management through a formal multi-tier subscription planning program and a documented planning process.
James M
CFP®, ChFC®, Series 63, Series 66
Friendswood, TX
BayRock Financial, L.L.C.
James Munchbach is a CFP® and ChFC® with 21 years of industry experience. He is currently a financial advisor at BayRock Financial, L.L.C., where he has worked since 2016, including a period from 2019 to present. Prior to this, he held roles at several firms including Tremont Street Advisors, Archetype Wealth Partners, and STA Wealth Management. In addition to his advisory work, Mr. Munchbach is a part-time Professor of Personal Finance at the University of Houston Bauer College of Business. BayRock Financial, L.L.C. provides fee-only investment management and financial planning services to individuals, families, retirees, business owners, trusts, estates, and retirement plans. The firm generally constructs diversified, long-term portfolios and integrates financial planning into advisory relationships, serving a client base notable for its inclusion of retirement plan clients and defined benefit pension plans.
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