Important Legal Disclosures

Important Consumer Information

This web site does not constitute an offer of securities in any jurisdiction. Neither business transactions nor communications related to securities and/or personalized investment advice for compensation can be made without full compliance with your state’s registration requirements.

Securities offered through LPL Financial, Member FINRA/SIPC.

Bay Financial Associates, LLC is licensed to sell Life Insurance in all states except Alaska, Arkansas, Illinois, Kansas, Montana, New Mexico, North Dakota, Oregon, South Dakota, West Virginia and Wyoming

Bay Financial Associates, LLC is registered to offer securities in all states except Alaska, North Dakota, Oregon, South Dakota, Utah and Wyoming.

Privacy Policy

We recognize and respect your privacy expectations, whether you are a potential client, a current client, or even a former client.

Collection of Information

We may collect nonpublic personal information about you from the following sources:

  • Applications and other forms that may include your name, address and social security number, written and electronic correspondence and telephone contacts.
  • Account history including information about the transactions and balances in your accounts with our affiliates or us.

Disclosure of Information

We may share the information we collect (described above) with our affiliates but only with our clients’ permission. We may also disclose this information as required by law. We do not sell your personal information to third parties for their independent use.

Confidentiality and Security of Information

We restrict access to nonpublic personal information about you to our employees who need to know such information to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.