Bay Capital

Bay Capital is a full-service registered investment advisor established in March 1992, offering financial management services to help clients achieve their goals. The firm focuses on active asset allocation, emphasizing risk management alongside investment return. Bay Capital manages wealth through various programs tailored to match risk tolerances and time frames, primarily investing in investment company products. Clients can choose from different Investment Programs, such as the BC Allocation – Strategic Income Programs, BC Select Advisors – Moderate Allocation Program, and BC Select Advisors – Growth Program. The firm's fee structure is asset-based and billed quarterly in arrears, calculated as a percentage of the account's market value. Bay Capital employs technical analysis and modern portfolio theory in its investment strategies, aiming to build long-term wealth while managing risk effectively. Bay Capital is a fiduciary, acting in the best interests of clients, and does not charge performance-based fees. The firm's owner, Stephen Mark Cooper, is the Chief Compliance Officer and a licensed registered representative of Calton & Associates, Inc. Clients have the option to grant investment discretion to the firm, allowing for securities transactions at the advisor's discretion. Bay Capital does not vote client proxies and does not maintain custody of client funds. The firm's Brochure Supplement provides additional information about Richard J. Ryder, II, a registered representative of Calton & Associates and Bay Capital. Ryder is also a licensed independent insurance agent. The firm's compliance is overseen by Stephen M. Cooper, ensuring regulatory adherence and client-focused service.