Great Lakes Bay Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Great Lakes Bay Financial provides discretionary asset management alongside financial planning and consulting to a varied client base that the firm describes as including individual investors, high‑net‑worth individuals, trusts, estates, charitable organizations and business entities. Services include ongoing portfolio management as well as full financial plans and shorter consultation engagements tailored to particular topics.
The firm documents client goals, time horizon and risk tolerance to set investment objectives and typically exercises discretionary authority to implement asset allocation and security selection using fundamental and technical analysis. Account reviews are performed at least quarterly and the firm also offers financial planning on an hourly basis, in addition to its asset management services.
Notable distinctions for this small, two‑principal firm include disclosed outside business activities: the principals act as independent insurance agents and one principal also maintains a separate law practice, each reported as occupying less than 10% of their time and identified as potential conflicts that are mitigated by disclosure. The ADV also notes that the firm reported no assets under management as of the most recent filing and was reestablished after failing to renew its registration in 2025.
Client services
Expertise
Fee options
up to 1.5% annually (negotiable)
$200 per hour for financial planning
Main office
4901 Towne Centre Road, Suite 113
Saginaw MI 48604
Advisors at this office
2
Most active in
Michigan · Texas
Also doing business as
Great Lakes Bay Financial · Great Lakes Bay Financial 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.
Lawyer
They provide legal services, typically billed separately.
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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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
Bradley M
Series 66
Saginaw, MI
Great Lakes Bay Financial
Bradley Montgomery is a financial advisor with Great Lakes Bay Financial in Saginaw, MI, holding a Series 66 designation and 18 years of industry experience. He has worked at firms including Richmark Private Wealth Management and Berthel Fisher & Company Financial Services. Outside of advisory work, he has a long-standing role as a sales associate at Home Depot and is also involved in independent insurance sales. Great Lakes Bay Financial provides discretionary asset management, financial planning, and consulting services to a diverse client base including individuals, high-net-worth clients, trusts, estates, charitable organizations, and businesses. The firm uses documented client objectives and risk profiles to guide investment decisions and offers portfolio management alongside hourly financial planning.
Suellen E
Series 63, Series 65
Saginaw, MI
Great Lakes Bay Financial
Suellen Estes is a financial advisor with Great Lakes Bay Financial in Saginaw, MI, holding Series 63 and Series 65 licenses and 40 years of industry experience. Her prior roles include positions at Belpointe Asset Management, Richmark Private Wealth Management, BFC PLANNING, and Berthel Fisher & Company Financial Services. She is also an independent insurance agent, although she spends little time on insurance sales. Great Lakes Bay Financial provides discretionary asset management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities. The firm uses fundamental and technical analysis to guide portfolio management and offers both ongoing asset management and hourly financial planning engagements.
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