Great Bay Wealth Management

Great Bay Wealth Management provides discretionary investment management and advisory consultation services to individuals, corporations, charitable organizations, and pension and profit-sharing plans, managing about $29.4 million in client assets on a discretionary basis as of December 31, 2025. Services include personalized portfolio construction across mutual funds, ETFs, fixed income, and one-time or ongoing consultative engagements billed at an hourly rate.

The firm relies primarily on fundamental analysis to build diversified, goal-based asset allocations and typically implements portfolios using mutual funds, exchange-traded funds, and fixed income securities. The brochure also discloses that the adviser may employ more tactical strategies when suitable — including options, margin/borrowing, American Depository Receipts (ADRs), and allocations to bitcoin ETFs — and outlines the attendant risks.

What is distinctive in the disclosures is the documented use of margin and borrowing in client accounts, including separately managed accounts, with procedures for margin applications and explicit margin-risk discussion that many peers do not emphasize. The firm also notes a preferred account minimum of $250,000 (waivable) and a custodial arrangement with a national broker-dealer that handles fee deductions and account statements.