Golden Bay Advisors LLC

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Client assets under management

$148,674,252

Clients

146

15% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

High

Average account size

$1,018,317

About

Golden Bay Advisors provides portfolio management and financial planning primarily to separately managed accounts for high-net-worth and individual clients, and it also advises retirement and employee benefit plans. The brochure states the firm offers both discretionary and non-discretionary investment services tailored to client objectives.

The firm’s investment approach emphasizes exchange-traded funds supplemented by individual stocks, open‑end mutual funds and other securities, and it evaluates client factors such as overall financial condition, tax status and, for plan clients, plan provisions, participant counts and age distribution when setting guidelines. Its stated toolkit includes short sales, use of leverage and options and a focus on securities the firm believes to be undervalued, with attendant market, counterparty and leverage risks described in the brochure.

What is noteworthy compared with many peers is the firm’s explicit discussion of managing retirement and employee benefit accounts — indicating experience with pooled plan assets, a capability that is uncommon among supported firms. Golden Bay operates with a small advisory team overseeing roughly $180 million in client assets and discloses it does not act as custodian, does not participate in wrap fee programs, and does not charge performance‑based fees.

Client services

Financial planning Portfolio management

Expertise

Wealth management Retirement plans for business owners (SEP, solo 401k) Passive / index investing

Occupation focus

Founder/Business Owner

Fee options

Fixed

$1,000 to $10,000 for financial planning services

Other

Account minimum: $250,000 (generally, but individually negotiated with no absolute minimum)

Main office location

Golden Bay Advisors LLC

Chappaqua NY, United States

Number of offices

Most active in

California · Connecticut · Florida · New York · Texas

Disclosures

Business activities & affiliations

Is not 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.

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

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 914-215-0194

Advisors at this firm

Lindzy G

Series 63, Series 66

Chappaqua, NY

Golden Bay Advisors LLC

Lindzy Gasparella is a financial advisor at Golden Bay Advisors LLC with 14 years of industry experience. She previously worked at Shareholders Service Group Inc and Altruist Financial LLC before joining Golden Bay Advisors. Gasparella holds Series 63 and Series 66 designations. Golden Bay Advisors provides portfolio management and financial planning primarily for high-net-worth individuals, retirement and employee benefit plans, and corporate clients. The firm manages client assets on a discretionary basis using strategies that emphasize exchange-traded funds alongside individual stocks and mutual funds, and it offers both flat-fee planning and negotiated asset-based management.

Wealth management Retirement plans for business owners (SEP, solo 401k) Passive / index investing Founder/Business Owner

Matthew K

CFP®, Series 66

Chappaqua, NY

Golden Bay Advisors LLC

Matthew Krusko is a CFP® and holds a Series 66 license. He is the sole advisor at Golden Bay Advisors LLC, an independent firm based in Chappaqua, NY, where he has worked since 2013, accumulating 12 years of industry experience. Golden Bay Advisors provides portfolio management and financial planning primarily for high-net-worth individuals through separately managed accounts. The firm also serves retirement and employee benefit plans as well as corporate clients, managing assets on a discretionary basis with an investment approach that includes exchange-traded funds, individual stocks, mutual funds, and techniques such as short sales and leverage.

Wealth management Retirement plans for business owners (SEP, solo 401k) Passive / index investing Founder/Business Owner

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