Bay Capital logo

Bay Capital

Updated today

Client assets under management

$54,266,573

Clients

165

16% high-net worth

Advisors

2

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

83

High

Average account size

$328,888

About

Bay Capital provides portfolio management and wealth management services primarily to individual and high‑net‑worth clients, managing about $56 million across roughly 165 client relationships. Its programs are delivered on both discretionary and non‑discretionary bases and invest mainly in mutual funds, ETFs, closed‑end funds and variable insurance contracts through distinct strategies labeled Strategic Income, Moderate Allocation, and Growth (each with stated account minimums).

The firm follows an active, rules‑based asset allocation process that relies on technical analysis and a daily focus on risk management to increase exposure in favorable markets and decrease it in unfavorable ones. Its approach includes tactical sector rotation (notably among bond categories), selection of third‑party quantitative managers, and occasional use of leveraged and inverse ETFs with the ability to reduce market exposure or fully exit positions—practices consistent with explicit market‑timing decisions executed under discretionary authority.

Noteworthy for a firm of its size, Bay Capital’s supervised persons are also registered representatives of a broker‑dealer and licensed insurance agents, so they may receive commissions for separate brokerage or insurance transactions even though commissions are not charged on the managed accounts the firm oversees. The firm also maintains custodial relationships with AXOS Clearing and a broker‑dealer affiliate, conducts daily account reviews, and separately compensates outside managers, features that can materially influence trade execution and portfolio composition relative to many peers.

Client services

Portfolio management Market timing

Expertise

Active portfolio management Income planning Retirement income strategy

Fee options

Percentage

$0 - $1,000,000: 1.00% annually Over $1,000,000+: 0.75% annually

Commissions

Commissions may be earned on separate brokerage and insurance transactions unrelated to managed accounts

Other

Account minimum: $100,000 Fee-only: Annual asset-based fees as per tiered schedule; no commissions on managed accounts

Main office location

Bay Capital

4100 W. Kennedy Boulevard, Suite 305

Tampa FL 33609, United States

Number of offices

1

Most active in

Florida · Louisiana · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Richard R

Series 66

Tampa, FL

Bay Capital

Richard Ryder is a financial advisor at Bay Capital with 21 years of industry experience. He holds a Series 66 designation and previously worked at Ryder Capital, Inc. and Securities Research. He serves as an unpaid advisor to the Investment Committee for the Diocese of St. Petersburg Pension Board. Bay Capital provides discretionary portfolio management and model-based advisory programs for individual investors, managing roughly $45 million across approximately 188 client accounts. The firm emphasizes active asset allocation using technical analysis and rules-based signals, with a focus on risk management through tactical adjustments in market exposure.

Active portfolio management Income planning Retirement income strategy
user avatar

Stephen C

Series 63, Series 65

Tampa, FL

Bay Capital

Stephen Cooper is a financial advisor with Bay Capital in Tampa, FL, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has been associated with Calton & Associates, Inc. since 1996 and with IA Bay Capital since 1992. Cooper serves as a director for the Tampa Interbay Rotary Club and on the board of Air Animal Pet Movers, providing business strategy guidance and participating in community activities. Bay Capital provides discretionary portfolio management and model-based advisory programs for individual investors, including both high-net-worth and non-HNW clients. The firm employs an active asset allocation strategy guided by technical analysis and rules-based signals, combining internally managed strategies with selected third-party managers to address income, moderate allocation, and growth objectives.

Active portfolio management Income planning Retirement income strategy
Warmer team member

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

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. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")