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True fee-only fiduciary advisors

To Help You Navigate Through Life


we always Put clients first

At Bay Point, we do not receive commissions or referral fees, so our advice is never biased toward particular products.  Instead, we find solutions that best serve you.  In fact, we are required by law to always act in our clients’ best interest. This is known as a fiduciary duty. Read our Fiduciary Oath.

Commission-based or fee-based advisors earn commissions on the financial products they sell to clients. They may also charge fees on top of the commissions. They are not held to the same fiduciary duty as fee-only advisors and do not have the same obligation to openly disclose all fees and conflicts of interest. The risk is that there may be financial incentives to recommend products that are not the best solutions for their clients.

Only a small percentage of financial advisors are fee-only.

Bay Point also does not charge additional fees for our truly comprehensive financial planning, but includes it as part of our investment management service.  From cash flow planning to insurance to taxes, we make sure all your bases are covered.

Click here to check Bay Point's compliance record at


At Bay Point, our primary purpose is to improve the lives of our clients and their families through highly personalized wealth management.

As a client, you will know we care about you and your family by the way we get involved with nearly every aspect of your financial life - whether helping you refinance your mortgage, update your estate plan, or even get a great deal on a new car.  We work closely with a team of professionals to make things easier for you and to make sure everything gets done right.

We will meet with you on a regular basis to establish and prioritize your goals, identify and protect against risks, minimize your taxes, and simplify the complexities of your financial life. We will also help care for those you care about. This can include aging parents, independent children or family members with special needs.

To get started, click here.

We are highly competent

We have a unique set of skills and experience that allows us to offer the best solutions, especially for clients with very complex financial concerns. No matter what your situation, we can help you develop the most optimal strategies for meeting your goals.

Our competence is reflected in the designations we have earned and maintain. These are the highest standards in the industry for comprehensive, client-focused, financial, investment and tax planning.

Most people think that all financial planners are "certified," but this isn’t true. Anyone can call himself or herself a "financial planner." Only those who have fulfilled the certification and renewal requirements of the CFP Board can display the CFP® certification marks. When selecting a financial planner, you need to feel confident that the person you choose to help you plan for your future is competent and ethical. The CFP® certification provides that sense of security by allowing only those who meet their requirements the right to use the CFP® certification marks. For more information on the CFP® designation, please visit:

NAPFA advisors have even more rigorous requirements, including peer reviewed financial planning and twice the number of continuing education requirements as the CFP.  All NAPFA advisors must be Fee-Only and take a Fiduciary Oath each year. For more information about NAPFA, please

 The CPA designation is limited to those individuals who have met the high standards of examination, professional work experience, and continuing education requirements set by the State Boards of Accountancy.  These individuals will have expertise in the areas of accounting, auditing, tax, business valuation, and personal financial planning. For more information about the CPA license, please visit:

The CFA designation is considered the highest distinction in the investment management profession.  Charter holders must meet education and work experience requirements, as well as pass three levels of testing ensuring advanced investment analysis and portfolio management skills.  For more information about the CFA, please visit:

Not all financial advisors are the same!

Brokers, insurance agents, and Registered Investment Advisers (RIA) may all call themselves financial advisors. But, what do these terms really mean?  And, how do you know which is right for you? 

  • Financial advisor is a generic term or title and does not indicate any specific credential.
  • Fiduciary is the highest legal duty of one party to another, and requires being bound ethically to act in the other's best interests. 
  • Registered Investment Adviser (RIA) is a person or firm that is paid by a client to provide investment advice. An RIA is registered with and regulated by the Securities and Exchange Commission (SEC) or if small, by the state securities administrator.  An RIA is a fiduciary. Bay Point is an RIA.
  • Registered Representative (RR) is a person employed by a brokerage firm to buy and sell investment products to clients. An RR is also known as a broker.  A broker is not a fiduciary.  Brokers register with the Financial Industry Regulatory Authority (FINRA) a non-governmental self-regulatory organization.
  • Fee Based Advisor is usually an RIA and RR (dual registered) who charges fees and can also earn commissions from product sales. 
  • Fee Only Advisor is an RIA who accepts no commissions or fees from product sales and who provides comprehensive advice. A Fee Only advisor may be paid hourly, as a retainer, as a percentage of assets (AUM), or as a flat fee. Bay Point is a Fee Only advisor.
  • Insurance Agent is a salesperson who works for insurance firms and earns commissions by selling insurance products. An insurance agent is not a fiduciary. An insurance agent is licensed at the state level. 
  • BrokerCheck - A site that allows you to get information about investment professionals such as whether they are an RR (broker) or an RIA, what credentials they have earned, and if there have been any disciplinary actions against them.
  • NAPFA - The leading organization of Fee-Only advisors whose site will help you find a Fee-Only advisor in your area.

Proud to Support

Bay Point has been helping those who live, work, or play in the Annapolis area for over 20 years.  We are deeply committed to the community and to the organizations that serve it.  While there are many great ones, these are the organizations that we have chosen to serve, sponsor, and/or support.   We would love to tell you more about the great work they are doing and why we support them.



Annapolis Office

582 Bellerive Road
Suite 4D
Annapolis, MD 21409


Sarasota Office

1990 Main Street
Suite 750
Sarasota, FL 34236



We do not have any career opportunities available at this time, but we are always interested in talking to great talent!  If you would like to discuss our firm and future opportunities, please send your resume to

Our Services

Bay Point’s Proven Process

Our process begins with a free consultation meeting where we get to know a bit about you and your vision and goals. You get to know a bit about us and our process.

If decide you would like to move forward, we begin the initial planning and implementation phase. Over the next several months, we will do a full review of your finances. We will meet 3 to 4 times to discuss our findings and recommendations. We will coordinate with other professionals, such as the attorney, CPA, insurance agent, mortgage broker, etc, to fully implement each recommendation.

Once the initial phase is complete, we meet at least annually to check in on your goals, identify new opportunities or risks, and create action items for the year. We follow up with you and with other professionals to make sure new items get completed. This is a very effective way to align your finances with your goals and keep you moving toward your life vision.

If you are ready to take advantage of Bay Point's proven process, let's get started!

Comprehensive Financial Planning icon


At Bay Point, we are committed to improving our client's lives. Most of our clients have complex financial needs, such as business owners needing to coordinate their business and personal finances, executives wanting to understand and get the most from their compensation packages, or individuals experiencing life changes such as retirement, divorce or death of a spouse. Our goal is to help you simplify, strategize and succeed. 

emoney financial planning video for Bay Point Wealth


CASH FLOW PLANNING & DEBT MANAGEMENT: For our clients that have already accumulated the required net worth and income sources to retire, we are experts in planning the required cash flows and managing the associated tax implications related to retirement account withdrawals. For our clients that are still accumulating substantial wealth from their employment or business, through rigorous analysis we assist in planning for retirement and accumulating the required wealth to comfortably achieve all key goals.

RETIREMENT PLANNING: We comprehensively bring together our knowledge of various types of aspects relating to each client's retirement, which include both financial and nonfinancial matters. We develop a strategy to help you achieve a comfortable and worry-free retirement. Your plan is then monitored regularly and evaluated to see if any changes may be required based on your life circumstances, changes in legislative/tax laws, and other events that require adjustments to your plan.

TAX PLANNING STRATEGIES: Federal and local income tax payments have significant impact on your ability to invest and save for the future. Our review and recommendations encompass many aspects of income taxes and ensure that you are taking advantage of available tax benefits and are avoiding any unnecessary costs. 

EDUCATION FUNDING: With education planning we conduct an analysis to project the expected costs of primary school through higher education needs. Within the context of your financial plan and circumstances we help you develop a strategy to effectively prepare for these costs. Finally, we help you select the most effective savings vehicle, which may include a 529 college savings plan or a trust for your children or grandchildren.

ESTATE PLANNING: Passing your legacy on to your heirs, protecting your family and business, growing your estate, reducing or eliminating both death and income taxes, and providing to charity are the key components that we review as part of each client's estate plan. After evaluating your current state plan and discussing with you carefully your current estate planning goals and objectives, we will work closely with your attorney to design a plan to efficiently transfer wealth to your heirs and charitable beneficiaries. If you are not currently working with an attorney, we will assist you in finding one that best meets your needs.

RISK AND INSURANCE MANAGEMENT: Passing your legacy on to your heirs, protecting your family and business, growing your estate, reducing or eliminating both death and income taxes, and providing to charity are the key components that we review as part of each client's estate plan. After evaluating your current estate plan and discussing with you carefully your current estate planning goals and objectives, we will work closely with your attorney to design a plan to efficiently transfer wealth to your heirs and charitable beneficiaries. If you are not currently working with an attorney, we will assist you in finding one that best meets your needs.

CHARITABLE GIFT PLANNING: Philanthropy is an important part of preserving your family's legacy.  We help our clients understand the various charitable giving alternatives and make the best decisions from both a tax and philanthropic perspective.

If you want truly comprehensive financial advice, let's get started!

Investment Management icon

We provide institutional investment solutions for our clients. The portfolios we construct are diversified and designed to meet each client’s unique circumstances, goals, and objectives.

Our “goals-oriented portfolio design” means that your portfolio is tailored to your specific short or long-term goals. Our disciplined, due diligence process allows us to select and monitor our recommended investment managers. We review your portfolio on a regular basis and rebalance it as necessary to keep it diversified and properly allocated.

There are three elements of our investment philosophy and practices that diverge from the approaches of most other investment managers. We believe these to be highly beneficial for our clients:


For most of our clients, the primary objective is to preserve wealth rather than chase performance. To achieve this objective, we include mutual funds that actively manage downside risk for a portion of each client’s equity holdings. We might give up some “upside” performance, particularly in a bull market. However, since the timing of a bull market or a bear market is impossible to predict, we believe that the prudent path is to seek to avoid large losses when the market turns downward.


Many investment managers compare their performance to a “benchmark,” such as the S&P 500 Index. This, however, is not how our performance is measured. Our objective is to reach a targeted return for each client, based on that client’s specific financial needs and risk tolerance. Attempting to minimize performance deviation from a benchmark does not necessarily help our clients achieve their investment objectives, especially when that benchmark drops significantly.


We very carefully design each client’s portfolio for tax efficiency. For example, we place securities that would be subject to higher taxes in tax-deferred accounts and place securities that would be subject to lower taxes in taxable accounts. When tax laws change, or even when we anticipate changes in tax law, we consider how these will affect the client’s investment portfolio.

If you want truly personal, objective advice on your investments, let's get started! 

How We Help

Business Owners

As a business owner you will experience unique planning issues as you expand and develop your business.  In many cases the majority of your net worth is comprised of the value of your business. Bay Point Wealth Management understands how the ownership of the business becomes deeply intertwined within your personal and family planning needs. We have helped many business owners successfully navigate the unique risks and opportunities that owning a business presents.

Business planning video for Bay Point Wealth Management

We build close relationships with our business owner clients so we can clearly understand their planning needs as well as their personal and business goals. Our proactive and comprehensive approach helps you plan ahead for success and growth. We make certain that you and your family are taken care of.

While there are many aspects involved with your business planning, there are generally two key areas on which we focus:

  • Contingency planning – This provides for the family and the business in the event of the untimely death or disability of the business owner. We plan for the continuity of your business, how your family is going to be taken care of, and who the best people are to sit in your chair and move the business forward.
  • Exit Planning – We help you plan for the eventual change in ownership of your business.

Our planning, including the contingency and exit planning strategies, involves consideration and planning that generally includes:

  • Reviewing and establishing entities (LLC’s, partnerships, etc.)
  • Long-term business planning
  • Diversifying assets
  • Family dynamics and ownership issues
  • Estate planning
  • Risk management
  • Tax planning
  • Retirement planning
  • Charitable planning

Bay Point acts as the quarterback, coordinating your planning efforts with your other advisors. We work closely with other professionals, including attorneys, CPA’s and valuation specialists - and thus can provide detailed advice in each specific planning area in conjunction with the advice of a complete team.  Working shoulder-to-shoulder with us and these other professionals ensures there are no missing links.

If you are a business owner who feels you need to create or improve your plan, or if you have questions or concerns around your planning, please contact us to see how we can help.


With our combined expertise in the areas of taxes, investments, insurance and cash flow planning, Bay Point Wealth Management is uniquely equipped to help you understand and maximize your compensation package, employee benefits, and stock options.  We have helped many clients successfully navigate the risks and opportunities associated with owning employer stock, participating in employee stock purchase plans, and contributing to deferred compensation plans. We can also help you evaluate life and disability insurance options and make sure you are appropriately allocated in your 401(k) or other retirement plan.

We have helped employees and are quite familiar with the compensation and benefits arrangements of the following local employers as well as many others.  If you are ready to optimize your financial life, let's get started!

Pre and Post Retirees

If you are preparing for or have recently entered retirement, you may have a lot of new questions, such as when to apply for Social Security benefits, how much you can safely afford to spend, and how to generate an income from your investments.  Many of the strategies that successfully got you to this point, no longer apply.  

With over 20 years of experience working with retirees, Bay Point is adept at helping you plan your retirement so you can maximize your lifestyle, optimize your retirement benefits, know exactly what you can spend, manage your investments to not run out of money, take care of your family, and meet your other retirement goals.

If you are ready to gain a sense of confidence about your retirement plans, let's get started!

Those In Transition

Despite careful planning, we are often thrown curveballs in life. Many of our clients have found themselves unexpectedly widowed or struggling through divorce. These transitions can be overwhelming in themselves, but also have significant financial implications. At a time like this, perhaps more than any other, unbiased, client-centered advice is critical.  

Our caring advisors are here to help you with each step.  From retitling your assets, to figuring out what you can safely spend, to generating an income from your investments, to whatever else helps you get back on your feet, we can make a difficult situation a little easier.

If you are going through a life transition, let's talk about what we can do to help.


YouR Team



managing member

Bill is the founder and Principal at Bay Point. He earned his Bachelor’s degree from Georgia State University in accounting and his Master’s degree in finance from Johns Hopkins University.

Bill is a Certified Public Accountant (CPA) with extensive knowledge in Federal income tax laws and Federal estate tax laws. He is also a CERTIFIED FINANCIAL PLANNER™ (CFP®), the most highly regarded designation within the financial planning industry. The CFP® designation reflects Mr. Hufnell’s extensive experience and education in the financial planning arena, as well as his commitment to continuing education and the CFP® Board’s Code of Ethics.

Bill serves as the lead wealth manager and Chief Investment Officer for the firm.

He is an active member of the National Association of Personal Financial Advisors, the foremost professional association for fee-only financial advisors, the American Institute of Certified Public Accountants, and the Maryland Association of Certified Public Accountants.

In addition to his 12 years of extensive wealth management planning experience with Bay Point, Bill was previously employed with a Fortune 100 corporation for 10 years, working in the areas of business planning, corporate retirement plans, employee benefits and compensation, and financial reporting.


Jim Kantowski, CPA, CFP®

Chief Investment Officer, Director of Financial Planning

Jim has always believed that building a relationship grounded in trust and integrity is the best way to help clients achieve their financial objectives.

After 20 years with some of the nation's largest financial management firms, Jim left to pursue his dream of a firm where relationships matter, a firm where the product is not stocks or bonds, but great advice.

Jim is married with four children and lives in Arnold, Maryland where you'll find him actively involved in his community. 

He is on the board of the Financial Education Foundation, co-founder of Fish For a Cure, and coaches baseball and basketball. He is a Certified Financial Planner and Certified Public Accountant. Jim belongs to the AICPA, MACPA and NAPFA.



Chief Operating Officer, Chief Compliance Officer

Kim graduated from Georgetown University’s School of Foreign Service with a Bachelor’s Degree in International Economics.  She is a CERTIFIED FINANCIAL PLANNER™ (CFP®), the most highly regarded designation within the financial planning industry. The CFP® designation reflects Kim’s extensive experience and education in the financial planning arena, as well as her commitment to continuing education and the CFP® Board’s Code of Ethics.

Kim has been a member of the Bay Point team since 2010 and serves as the COO and CCO of the firm, implementing internal procedures and technologies that ensure exceptional service to all clients as well as adherence to all compliance standards.

Before coming to Bay Point, Ms. Anderson worked for a Fee-Only wealth management firm based in Columbia, MD for over 13 years.

Kim currently lives in Ellicott City with her husband George and their son Clay.  


Samantha Sachs, CPA, MBA 

Financial Advisor

Samantha was born and raised in Annapolis, MD. After gaining her experience at the 5th largest accounting firm in the country, where she specialized in tax services and wealth management, she moved to St John in the US Virgin Islands to own and operate a sailing charter company.

She grew and sold her company and moved to Asheville, NC, where she reconnected with Jim Kantowski, her old colleague. She joined him at JSK Financial where she could serve clients how she always intended to- with respect, patience, and an open mind. 

Having run a small business herself, she knows how hard it can be to manage it all and her goal is always to make your life easier, while providing excellent service and expert advice.

From accounting to tax and financial planning, she does it all.

Samantha is a CPA, MBA, and RIA. She specializes in individual and business tax services as well as financial planning and investment management. She is a member of the AICPA and NCACPA.



Financial Advisor

Dan graduated from Belmont University with a bachelor’s degree in Business Management and a concentration in Finance. He is a Chartered Financial Analyst® Charterholder, one of the most respected and recognized investment credentials in the world, upholding the highest standards of education and integrity in the investment profession. The CFA Charter reflects his passion and commitment in placing investor and client interests above all else.

Dan joined the Bay Point team in 2018 as a Financial Advisor, working with individuals and families seeking objective and thoughtful financial advice.

Dan grew up in Frederick, MD and now lives in Arnold, MD with his wife Christie and their twin daughters, Mollie and Mackenzie.



Financial Advisor

Billy graduated from Frostburg State University with a bachelor’s degree in Business Management, with a concentration in economics. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®), the most highly regarded designation within the financial planning industry. The CFP® designation reflects Billy’s extensive experience and education in the financial planning arena, as well as his commitment to continuing education and the CFP® Board’s Code of Ethics. 

Billy has been a member of the Bay Point team since 2011. He is currently a Financial Advisor for the company, providing analysis and support relating to all client planning and investment needs. He currently leads two study groups for the National Association for Personal Financial Advisors (NAPFA) - the Annapolis Study Group and the Baltimore Genesis Study Group. 

When Billy is not at work or leading study groups, you can often find him at Camden Yards if the Orioles are in town, or out hiking or traveling somewhere new if they are not. He also has a passion for cooking and loves trying to recreate recipes for any new foods he tries.


Yvonne Scoggins

Financial Advisor

Yvonne uses her 18 years experience to advise her clients efficiently and effectively. She balances her efforts with kayaking, hiking, and exploring with her family.

Alison Gowallis

Elizabeth Yoder

Financial planning associate

Elizabeth Wolleben Yoder graduated Loyola College in Maryland with a Bachelor’s in Speech-Language Pathology and Audiology in 2008 and received her Certificate of Financial Planning at Georgetown’s School of Continuing Studies in 2016.

Liz passed the CERTIFIED FINANCIAL PLANNER™ Examination in 2016. She is currently gaining her experience to become a CFP® Professional. Liz currently serves as the Financial Planning Associate with Bay Point. Prior to joining the Bay Point Wealth team, she spent two years working with a Fee-Only firm in Bethesda, MD.

In her former career, Liz worked for a nonprofit that supported adults with intellectual disabilities and the support professionals who surrounded them. Conversations with these families sparked her interest to learn more about government benefit programs and common practices in estate planning.

Liz is a recent resident of Edgewater, MD with her husband, Jesse and son, Aaron. They enjoy making weekly trips to the wooded and coastal walks of Edgewater (in dry weather conditions). Liz aspires to be a gardener in her spare time. 



Glenell graduated from Frostburg University with a Bachelor of Science degree in Accounting.

Glenell has been a member of the Bay Point team since 2007. Prior to joining Bay Point, Glenell worked in accounting and finance for a Fortune 100 firm for 10 years, and for 7 years in the non-profit sector. 

She serves as a Paraplanner for the firm, gathering all relevant information to prepare and analyze clients' net worth statements, cash flow projection and insurance needs.  She also is responsible for working with clients' CPAs to coordinate client tax projections and returns documents, as well as reviews client employee benefit options and estate planning. 


Alison Gowallis

Debbie Lehman

Client services

With over 25 years of industry experience, Debbie knows how to elevate the client experience. When she’s not making clients’ lives more enjoyable, she’s teaching yoga and racing dragon boats.



Client Services

Chris has been a member of the Bay Point team since 2002. She provides the company with support in the area of Client Services, and is often the first person you will speak with when calling our firm.

She provides support for all client service related activities, including client correspondence, meeting scheduling and assisting clients with other administrative matters.

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Client Center


As a client of Bay Point, you have access to several portals that will help you monitor and stay abreast of your financial situation. Our goal behind offering client portals is to make your life easier by giving you:

  • Access to your account information 24/7 in an easy-to-read format.
  • A consolidated view of your current financial position.
  • Secure delivery and receipt of sensitive documents that should not be sent by email.
  • A completely paperless option!  We send all reports electronically.


 Portal Summary

  1. Wealth Management System – this is the system you normally see during your client meetings.  We use it to forecast your cash flows, model “What-ifs,” and calculate your net worth, among other things.  We sometimes refer to this as EMA.

    Bay Point utilizes emoney for a wealth management system

  2. TD Ameritrade – This is where you can view real-time data for all your TDA accounts, including balances, holdings, and transactions.

    TD Ameritrade account for a Bay Point client

  3. Your Portfolio –This is the system we use to manage your portfolio and generate your portfolio reports, frequently referred to as Advisor View.  By logging into this portal, you can run your own reports such as Performance Summary, Portfolio Holdings, and Capital Flows.

    Portfolio account example for Bay Point client

  4. Secure Document Sharing – this is our document management system, named ShareFile.  It is the secure “file cabinet” where we store electronic documents (such as copies of your tax returns, insurance policies or memos we’ve sent you.)  We also can send documents to other professionals (such as your CPA) from here.  And finally, it contains your client folder, where you can securely upload documents to us.

    Bay Point allows you to access all files via ShareFile


Safety Tips

To ensure safe usage, please follow these safety tips:

  • When creating a password, include uppercase, lowercase and numeric characters in your password
  • Always access your portal by visiting our website or via your own bookmark.
  • If you receive an email that looks suspicious, don’t click on any links or attachments.
  • Bay Point will never email asking for your password.  If you get such an email, call us!

If you have a question or run into a problem while using your portal, simply give us a call at 410-626-8198. Forgot your password? You can reset it yourself online or call us to get it fixed. Bay Point strives to make the client experience the best it can possibly be and we welcome any feedback you may have. 

Please remember to contact Bay Point Wealth Management, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you want to impose, add, to modify any reasonable restrictions to our investment advisory services, or if you wish to direct that Bay Point Wealth Management to effect any specific transactions for your account. A copy of our current written disclosure statement discussing our advisory services and fees continues to remain available upon request.

At Bay Point we work closely with you and other professionals to make sure our advice gets implemented correctly.  Listed below are some of the common strategies we use in client planning.  By clicking on them, you will see exactly how each gets implemented - what role we play, what tasks other professionals do, and what your part is.  You can refer to these any time if you are unclear what the roles and responsibilities are for a given strategy. 

Get Started

We start with a short phone meeting to get acquainted and learn about your situation and needs. We’ll also describe a bit about our company and how we can help. To schedule a time with one of our advisors, please use our online calendar below. We look forward to getting to know more about you.

How well does your current portfolio suit your needs?  That is one of the questions we will explore together during our initial meeting.  In the meantime, click on the questionnaire below to assess your level of comfort with varying degrees of risk.  This is one factor in determining the right investment mix for you.

Risk Tolerance Questionnaire


To learn about the measures we take to keep client information secure, please read our Privacy Notice.

Form ADV

Please also read our Form ADV.  This is the Security and Exchange Commissions required disclosure form for all Registered Investment Advisors.  

Other Disclosures

Bay Point Wealth (Company”) is an SEC registered investment adviser located in Annapolis, Maryland.  Company and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which Company maintains clients.  Company may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.  Company’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of Company’s web site on the Internet should not be construed by any consumer and/or prospective client as Company’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by Company with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.  For information pertaining to the registration status of Company, please contact the SEC or the state securities regulators for those states in which Company maintains a notice filing.  A copy of Company’s current written disclosure statement discussing Company’s business operations, services, and fees is available on the web site and from Company upon written request.  Company does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Company web site or incorporated herein, and takes no responsibility therefore.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Company), will be profitable or equal any historical performance level(s).

Certain portions of Company’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Company (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Company, or from any other investment professional.  Company is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Bay Point Wealth Management is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Bay Point Wealth Management by any of its clients.  Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.Rankings are generally limited to participating advisers.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Company’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Company, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Company’s web site, to release and hold harmless Company, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Company.