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FAQ’s

Do I need a Financial Advisor?

We believe everyone needs a financial coach, someone to guide them to make smart financial decisions. This may require a Financial Advisor.

I want to retire and be a millionaire. What does it take?

It takes your subconscious mind and discipline. Have a budget. Sit down with a financial advisor to breakdown your goals down on a weekly, monthly and yearly basis. Have a specific goal, whether it is for yourself, your family or your business and we will work with you towards your ultimate goal.

My parents are getting older. How do I protect the assets they worked so hard for?

Educate yourself on Estate Planning and Trusts, and work with a Financial Advisor to understand the documentation.

Why choose an independent Financial Advisor?

With large financial firms, layers of management and regulatory might lead to a biased decision for your finances, narrowing you down to the companies needs.  We look out for you.  As an independent Financial Advisor, we do what is right for the client.

How will my client experience with Bay Ridge Financial Group be unique from other advisors?

We get into the personality of the client. We want to work with the various hurdles in your life that affect your finances and create a plan for you that aims to help you save money.

Our advisors come from a highly educated, large corporate background and we are an independent firm. We have worked with a gamut of clients from all walks of life. Working with us will give you unbiased, independent strategies for your future.

With a small firm, you are still adequately insured and protected* as much as a large firm. Your experience will be hands on one, with your financial decisions made between you and your advisor. 

*The account protection applies when an SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments.  For more information please visit www.sipc.org.

Who is Bay Ridge Financial Groups ideal client?

Someone who is unsatisfied with their current financial life. We work best with those who are open to educate themselves, set goals and work with us side by side to build your future brick by brick.

I’ve had bad financial habits my whole life. Is there any room for improvement and change?

Yes. We believe that if you can change your mindset for 30 to 60 days and get disciplined financial habits, you can work towards rebuilding your wealth

How does Bay Ridge Financial Group get paid?

We have a tiered, flat annual fee structure. If the assets lose value, we make less. If the assets increase in value, we make more. It’s in your best interest and our best interest to move your account forward.

I’m a woman who is financially successful and highly educated. How can you help me maintain that?

Some statistics show that women may be more likely to inherit more wealth than men. In marriage, women usually outlive their spouse. Single women with higher education backgrounds make up a strong component of the overall economy. We believe that female entrepreneurs are rapidly growing and over the next decade, women will be more financially successful. Bay Ridge Financial Group prides itself in working with women on financial education as well as savings and investment plans designed with the goal to protect your wealth.

I don’t plan on retiring. I have to keep working to stay financially stable… right?

Financial planning is all about sacrifice and creating financial pillars for your future. We educate our clients and come up with smart savings plans for the first 25 years of your working life. Working in conjunction with your Accountant and Financial Advisor to form a solid investment plan will help you to reap the benefits of your hard work and will help you work towards the retirement of your dreams.