# Bay Pointe Financial

> 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.

- CRD: 340986
- Filed as: BAY  POINTE FINANCIAL
- Legal name: Bay Pointe Wealth, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: New Baltimore, MI
- Filing period: October 2026
- Form ADV filing dated: October 1, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/340986
- AdvisorCensus page: https://advisorcensus.com/firm/bay-pointe-financial-new-baltimore-mi-340986

## Quick answers

**How 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

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated August 20, 2026)

- Account minimum: $250,000 (the brochure says it may be waived or negotiated)

> 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 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 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 brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $115,917,788
- Discretionary: $115,917,788
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 84 | $30,967,872 |
| High net worth individuals | 38 | $84,949,916 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 2026 (0 years)
- Employees: 3 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MI, MO, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- St. Clair, MI

### Websites listed on Form ADV (Item 1.I)
- baypointefinancial.com

## 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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Bay Pointe Financial (CRD 340986): Form ADV filing data as of October 2026.