Bayridge Financial Group, Inc.

Bayridge Financial Group, Inc. provides discretionary investment management and related advisory services to individuals, high‑net‑worth individuals, trusts and estates, and may recommend unaffiliated independent money managers as part of client solutions. The firm reported approximately $94.2 million in assets under management as of December 31, 2025 and serves about 488 clients through two advisors.

The firm’s investment approach emphasizes fundamental analysis and long‑term portfolio construction, typically using ETFs, passive and active mutual funds, individual equities and fixed‑income securities, with ongoing monitoring and periodic rebalancing; Bayridge will also trade or reallocate positions on shorter time horizons when client objectives or market conditions warrant. Bayridge serves as the primary relationship manager while retaining the option to implement strategies internally or through Independent Managers and provides regular reviews and reporting to clients via their custodian.

What distinguishes Bayridge from many peers is that its advisory personnel also operate in other financial capacities: they are registered representatives of Strategic Financial Alliance, Inc. and are licensed insurance professionals, and they offer tax and accounting services through Bayridge Tax Planning, LLC (dba CPA Tax Planning); those separate, commission‑based activities and affiliations are disclosed in the brochure and can create potential conflicts of interest. The firm also does not accept custody of client assets except for authorized fee deductions and typically directs custody and execution to Charles Schwab Advisor Services.