Bay Financial Associates

When clients need advice about their financial situation, John draws on more than 30 years of practical experience. He also works to put himself in his clients’ shoes “I try very hard to explain things in understandable terms and to see things from my client’s point of view. I want the advice my clients receive to be consistent with advice I would want to receive if I were the client.”

John joined Bay Financial Associates in 1983. He is a past President of the Boston General Agents and Managers Association and has served on the Boards of the Boston Association of Financial Service Professionals and the Boston Chapter of the National Association of Insurance and Financial Advisors. He is currently an active member of the Association for Advanced Life Underwriting serving on the Membership Committee.

He is a Registered Principal with LPL Financial holding his FINRA Series 07, 24, 51 and 63 licenses.

John is a Trustee of Wilkes University where he serves on the Endowment and Finance Committees.

He enjoys golf, skiing and traveling. He and his wife, Renate, have two children..

Joseph Donovan has spent his career implementing wealth transfer, charitable and business succession planning strategies for high net worth and ultra-high net worth families. Joe is a graduate of Boston College, received his JD from Case Western University Law School and his LL.M (Masters of Tax Laws) from Boston University School of Law with studies at New York University School of Law. He is a member of the American Bar Association’s trust and estate section and a member of the Boston Estate Planning Council.

Joe’s experience includes practicing with a Big Four accounting firm, a law firm, and managing a legal team at a major insurance company. His legal, accounting and insurance industry experiences make Joe a recognized professional in the sophisticated use and design of life insurance products. He has a keen ability to connect with a client’s advisory team. His team approach helps coordinate the planning process with our clients’ CPAs, attorneys, family office and other trusted advisors.

He is also able to explain complicated estate, business, and tax planning concepts in understandable terms. Joe is a frequent speaker and writes on estate, business, and retirement planning issues. He has spoken at the national meeting of the Society of Financial Service Professionals (SFSP), regional estate and tax bar associations, and the national conferences of largest broker dealers in the country. Joe was a member of Boston College’s hockey team that reached the Final Four. He’s married with two sons and a daughter. Joe is active in his community and enjoys coaching, playing golf, and skiing.

1st Line Financial, Bay Financial Associates, LLC, and LPL Financial do not provide tax and/or legal advice or services.  Please consult your tax and/or legal advisor regarding your specific situation.

As Chief Financial Officer of Bay Financial, Jack oversees key aspects of the firm’s investment policies and strategies. He assists advisors of the firm serve high net worth individuals and their families by developing a strategic asset-allocation plan and making recommendations on investments and outside money managers designed and implemented to help accumulate, protect and transfer wealth..

He is a second-generation financial advisor with over twenty-five years of experience consulting to executives, small business owners and providing wealth management services to high net worth individuals. He is a graduate of Babson College with a Bachelor of Science degree in Business Administration, he is a CERTIFIED FINANCIAL PLANNER™ professional, and has earned the Chartered Life Underwriter (CLU) professional designation. He is a registered representative with LPL Financial, and is one of the LPL Registered Principals with Bay Financial Associates, LLC.

Jack and his wife Kate live in North Attleboro, MA with their two children, Tess and John. When their daughter was young, Jack and his wife, along with three other families, founded a girl’s select soccer club that trained and supported hundreds of girls in the North Attleboro area. In his spare time, Jack serves on the boards of non-profit organizations, helps organize an annual charity golf tournament and enjoys spending time with his family.

Susan is our Director of Compliance and she oversees all compliance related concerns including account servicing, and investment operations, and serves as one of the Bay Financial Advisor’s LPL Registered Principals. Prior to joining Bay Financial, Susan was with LPL Financial for eleven years, nine as a Compliance Examiner and two with the Operations Department. She has over 18 years of industry experience, also having worked for Fidelity Investments and Paine Webber Properties. Susan earned her Bachelor of Arts Degree from the University of Massachusetts.