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None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Bay Capital Advisors invest in?","answer":"At the end of its last fiscal year, Bay Capital Advisors’ separately managed accounts held 74% registered funds (mutual funds, ETFs, BDCs), 18% exchange-traded equities, 6% U.S. government and agency bonds and 2% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Bay Capital Advisors?","answer":"Bay Capital Advisors’ direct owner is Edward Sallee (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 12 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Bay Capital Advisors get paid?","answer":"Bay Capital Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. 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