Golden Bay Advisors LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$254,925,710
Clients
147
Advisors
2
of 2 employees
About
Golden Bay Advisors primarily serves individual and high‑net‑worth clients, providing discretionary and non‑discretionary portfolio management for separately managed accounts and retirement plans, together with financial planning services. The firm reports roughly $295.7 million in assets under management across about 147 client accounts and operates with a small advisory team; management agreements and fees are individually negotiated and generally billed as a percentage of AUM.
The firm’s investment approach centers on exchange‑traded funds while also employing individual stocks, open‑end mutual funds and a broad range of equity and debt instruments, and discloses the potential use of short sales, leverage, options and non‑U.S. securities. Accounts are managed against client‑specific guidelines and reviewed at least quarterly, with discretionary trading exercised where authority is granted in the investment management agreement.
What is atypical for a firm of this size is its provision of portfolio management services for pooled investment vehicles in addition to separately managed accounts, alongside retirement plan work and financial planning. The brochure also notes that the firm does not participate in wrap fee programs, does not charge performance‑based incentive fees, does not maintain custody of client assets, and uses custodial and execution relationships (including Charles Schwab and Altruist/Apex) disclosed in its ADV.
Client services
Expertise
Fee options
Flat fees for financial planning services ranging from $1,000 to $10,000
Account minimum: $250,000 (generally), but no absolute minimum as terms are individually negotiated
Main office
Chappaqua NY
Advisors at this office
2
Most active in
California · Connecticut · Florida · New York · 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 not 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.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Lindzy G
Series 63, Series 66
Chappaqua, NY
Golden Bay Advisors LLC
Lindzy Gasparella is a financial advisor at Golden Bay Advisors LLC with 15 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior roles include positions at Shareholders Service Group Inc and Altruist Financial LLC. Golden Bay Advisors primarily serves individual and high-net-worth clients, offering discretionary and non-discretionary portfolio management for separately managed accounts and retirement plans, along with financial planning services. The firm utilizes a diverse investment approach centered on exchange-traded funds, individual stocks, mutual funds, and other equity and debt instruments.
Matthew K
CFP®, Series 66
Chappaqua, NY
Golden Bay Advisors LLC
Matthew Krusko is a CFP® professional with 13 years of experience in financial advising, currently serving at Golden Bay Advisors LLC since 2013. He holds the Series 66 designation and is based in Chappaqua, NY. Golden Bay Advisors primarily serves individual and high-net-worth clients, offering both discretionary and non-discretionary portfolio management along with financial planning. The firm’s investment strategy emphasizes exchange-traded funds supplemented by individual stocks, mutual funds, and various equity and debt instruments, managing approximately $295.7 million in assets across about 147 accounts.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)