AdvisorCensus / Financial advisors / Michigan / Detroit / Bay Pointe Financial
Bay Pointe Financial
Filed as BAY POINTE FINANCIAL · Legal name Bay Pointe Wealth, LLC
Bay Pointe Financial is an SEC-registered investment advisory firm in New Baltimore, MI, registered since 2026, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated October 1, 2026.
Quick answers
From the filingHow is Bay Pointe Financial compensated?
On its Form ADV (Item 5.E, October 2026), Bay Pointe Financial reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).
How much does Bay Pointe Financial charge?
Its Form ADV Part 2A brochure dated August 20, 2026 states: Flat fee: $1,000 to $12,000 (creating client financial plans); Flat fee: up to $6,000 a quarter (ongoing financial planning). Fees can differ by service and may be negotiable; the brochure is the complete statement.
Where is Bay Pointe Financial located?
Bay Pointe Financial's principal office is in New Baltimore, MI, according to its Form ADV; the October 2026 filing also lists 1 other office (Schedule D, Section 1.F).
Is Bay Pointe Financial registered with the SEC or a state?
Bay Pointe Financial is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 340986.
How much does Bay Pointe Financial manage?
Bay Pointe Financial reports $115,917,788 in regulatory assets under management in its Form ADV filing dated October 1, 2026 (100% discretionary).
What types of clients does Bay Pointe Financial serve?
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (84); high net worth individuals (38).
Which custodians does Bay Pointe Financial use?
Bay Pointe Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.
Does Bay Pointe Financial report any disciplinary disclosures?
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/340986
Does Bay Pointe Financial state an account minimum?
Its Form ADV Part 2A brochure dated August 20, 2026 says: "There is an account minimum of $250,000, which may be waived by BPF in its discretion."
What changed in Bay Pointe Financial's recent Form ADV filings?
In the September 2026 filing data: Registered or notice-filed in MO.
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2AThe brochure lists different fees for different services or strategies; see the brochure for them.
Account minimum: $250,000 (the brochure says it may be waived or negotiated)
The brochure's wording
There is an account minimum of $250,000, which may be waived by BPF in its discretion.
Flat fee: $1,000 to $12,000 (creating client financial plans)
The brochure's wording
The negotiated fixed rate for creating client financial plans is between $1,000 and $12,000, based upon complexity of the plan.
Flat fee: up to $6,000 a quarter (ongoing financial planning)
The brochure's wording
The negotiated fixed rate for ongoing financial planning is up to $6,000 per quarter, based on complexity of ongoing financial planning services.
As stated in the firm's Form ADV Part 2A brochure dated August 20, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$115,917,788 as of October 2026, filing dated October 1, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
Registration and firm details
Items 1, 2, 5- Legal name
- Bay Pointe Wealth, LLC
- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 2026 (0 years)
- Employees
- Total: 3. Performing investment advisory functions: 2.
- Wrap fee program participation
- No.
- Custodians (Schedule D, Section 5.K(3))
-
Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.
- Other offices (Schedule D, Section 1.F)
-
1 other office, as of the October 2026 filing
- States registered or notice-filed
-
3 states or jurisdictions
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Changes in the filing
Last 12 months- September 2026
- Registered or notice-filed in MO.
- August 2026
- Regulatory assets under management went from $0 to $115,917,788.
- June 2026
- Newly registered with the SEC.
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.ISource: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. Bay Pointe Financial (CRD 340986): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/bay-pointe-financial-new-baltimore-mi-340986