North Bay Wealth Management

North Bay Wealth Management provides investment advisory and financial planning services primarily to individual and high‑net‑worth clients and also lists pension and profit‑sharing plans, charitable organizations, and corporations among its client types. Services include discretionary and non‑discretionary portfolio management and written financial planning, with advice on asset allocation among cash, stocks, mutual funds, bonds, and annuities.

The firm tailors recommendations to clients’ objectives, time horizon, and risk tolerance and uses methods such as asset allocation, dollar‑cost averaging, technical analysis, and both long‑ and short‑term purchases, with a stated goal of helping clients maintain purchasing power over the long term. Accounts are reviewed at least quarterly, the firm typically recommends custody with Charles Schwab, and it discloses that some service providers used by the firm incorporate artificial intelligence or machine learning and are subject to periodic due diligence.

North Bay manages roughly $107 million in client assets across two advisors and about 133 client accounts and, uncommon among similar supported firms, also provides advisory services to pooled investment vehicles and discusses investment‑company/ETF risks in its disclosures. The firm does not charge performance‑based fees, does not take physical custody of client assets (except limited custody for fee deduction), and forwards proxy materials to clients rather than voting securities on their behalf.