BayRock Financial, L.L.C. logo

BayRock Financial, L.L.C.

Updated today
Find your advisor

Client assets under management

$61,026,359

More info

Clients

154

1% high-net worth

Advisors

2

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

77

High

Average account size

$396,275

About

BayRock Financial, L.L.C. provides discretionary portfolio management, financial planning, and advisory services to individuals, families, and business owners. The firm primarily serves non–high-net-worth individual clients and offers both traditional advisory engagements and subscription-based financial planning, with the option to bundle planning into portfolio management relationships.

Portfolios are typically constructed with ETFs, individual equities, and other publicly traded securities and may include income-oriented strategies such as covered call writing; the firm also discloses occasional use of more active or frequent trading when deemed suitable. BayRock applies a mix of analytical approaches — including technical/charting, cyclical and fundamental analysis, and modern portfolio theory — and tailors allocations and risk parameters on a discretionary basis to each client’s objectives.

Notably, BayRock emphasizes an ongoing subscription planning model with CFP® guidance and explicit bundled service options for some clients, which distinguishes it from many peers that focus more heavily on high-net-worth relationships. The firm operates as a fee-only adviser that uses Charles Schwab Institutional for custody and aggregated trading and discloses the use of options strategies and a broad set of instruments (including leveraged ETFs and structured products in appropriate cases), practices that may be atypical for a firm serving mostly non‑HNW individuals.

Client services

Financial planning Portfolio management

Expertise

Retirement income strategy Social Security optimization Income planning Active portfolio management Options & derivatives strategies

Fee options

Fixed

Financial planning services may be provided on a fixed fee basis depending on the engagement

Percentage

$0 - $500,000: 1.5% $500,001 - $2,000,000: 1.25% $2,000,001 - $5,000,000: 1.0% $5,000,001+: 0.75%

Project-based

Financial planning services may be provided on an hourly fee basis depending on the engagement

Subscriptions

Subscription-based financial planning services billed monthly in advance; specific pricing defined in client agreement

Other

Account minimum: $50,000 Fee-only: Fee-only investment adviser; no commissions or third-party compensation

Main office location

BayRock Financial, L.L.C.

Friendswood TX, United States

Number of offices

1

Most active in

More info

Texas

Disclosures

More info

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

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Facebook Website 832-895-1700

Advisors at this firm

Scroll left Scroll right
user avatar

Kevin L

Series 63

Friendswood, TX

BayRock Financial, L.L.C.

Kevin Londergan is a financial advisor at BayRock Financial, L.L.C. with 22 years of industry experience. He holds a Series 63 designation and is also a partner in the CPA firm Bond, Snider, Glaw & Londergan, LLP, which focuses on income and estate tax planning, tax return preparation, asset protection, and business advisory services for small business owners. He is part owner of Oglesby & Londergan Financial Services, Inc., a tax planning and small business advisory firm. BayRock Financial serves individual investors and other advisers by providing discretionary portfolio management and financial planning services. The firm emphasizes customized portfolios and ETF-based model allocations, integrating financial planning with investment management through a formal multi-tier subscription planning program and a documented planning process.

Retirement income strategy Social Security optimization Income planning Active portfolio management Options & derivatives strategies
user avatar

James M

CFP®, ChFC®, Series 63, Series 66

Friendswood, TX

BayRock Financial, L.L.C.

James Munchbach is a CFP® and ChFC® with 20 years of experience in the financial services industry. He has worked at BayRock Financial, L.L.C. since 2016 and previously held positions at firms including Morgan Stanley and Financial Alliance Network. In addition to his advisory work, he serves as a Professor of Personal Finance at the University of Houston's Bauer College of Business. BayRock Financial is a registered investment adviser that primarily serves individual investors and other advisers, offering discretionary portfolio management and financial planning services. The firm emphasizes customized ETF portfolios and integrates financial planning with investment management through a multi-tier subscription planning program and a documented "Blueprint" process.

Retirement income strategy Social Security optimization Income planning Active portfolio management Options & derivatives strategies
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")