Bay Point Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$93,661,579
This total excludes 6 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
160
11% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
160
Average account size
$585,385
About
Bay Point Financial serves individuals (including high-net-worth clients), pension and profit-sharing plans, trusts, estates, charitable organizations and business entities, offering financial planning, retirement plan consulting and third‑party program advisory services. The firm frequently directs clients into third‑party advisory programs and money managers and provides implementation consulting and ongoing planning alongside those programs.
The firm’s investment approach emphasizes passively managed index funds and exchange‑traded funds, global diversification and Modern Portfolio Theory, with client‑specific Investment Policy Statements guiding allocations. Bay Point generally does not accept discretionary trading authority itself; instead, clients are typically referred to third‑party managers who may have trading discretion over client assets.
Bay Point’s advisors are also registered representatives of the broker‑dealer Osaic Wealth and are licensed insurance agents, and the firm discloses that it receives fee‑sharing from third‑party managers (including Efficient Advisors and Focus Partners Advisor Solutions) as well as commissions on some product sales. That combination of a small advisory team managing about $77 million across roughly 160 clients while operating with broker‑dealer and insurance affiliations and primarily non‑discretionary relationships is a notable distinction from many peers.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
Wealth management
Passive / index investing
Fee options
Fixed fees between $0 and $10,000 per financial plan based on complexity; Retirement consulting fixed fees up to $500 per plan assessment report; Startup plans up to $3,000 for plan implementation
$0+: .25% - 1.40% (Bay Point Financial fee portion) $0+: .10% - 1.00% (third-party money manager fee portion) $0+: .03% - .35% (brokerage/clearing/custody fee)
Registered representatives earn commissions from sale of securities and insurance products
$125 to $300 per hour for financial planning services
Main office location
Bay Point Financial, LLC
2 Beaudoin St., Suite A
Bedford NH 03110, United States
Number of offices
2
Most active in
Bay Point Financial, LLC has reported serving >5 clients in these states in the last 12 months.
New Hampshire
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is 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.
Is not active or affiliated with:
-
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.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
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")