{"url":"https://nivawealth.com/firms/bay-colony-advisory-group-152583","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/152583","regulatoryAum":1434891449,"crd":"152583","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4695424","suffix":null,"lastName":"ANDERSON","firstName":"JENNIFER","middleName":"JILL"},{"crd":"1284479","suffix":null,"lastName":"BAKOS","firstName":"PAMELA","middleName":"JEAN"},{"crd":"1107698","suffix":null,"lastName":"BENENSON","firstName":"MICHAEL","middleName":"JAMES"},{"crd":"1769659","suffix":null,"lastName":"BOCZAR","firstName":"DAVID","middleName":"JAMES"},{"crd":"2986602","suffix":null,"lastName":"BUNKER","firstName":"DAVID","middleName":"EDWARD"},{"crd":"4966526","suffix":null,"lastName":"CATACCHIO","firstName":"JAMES","middleName":"CLEMENTS"},{"crd":"4588672","suffix":null,"lastName":"COOK","firstName":"MICHAEL","middleName":"JOHN"},{"crd":"3162810","suffix":null,"lastName":"DAGLIO","firstName":"STEPHEN","middleName":"M"},{"crd":"726248","suffix":null,"lastName":"DOUGHERTY","firstName":"TIMOTHY","middleName":"THOMAS"},{"crd":"2909432","suffix":null,"lastName":"DUCROUX","firstName":"FRANCOIS","middleName":"JEROME"},{"crd":"4187648","suffix":null,"lastName":"FREISHTAT","firstName":"ETHAN","middleName":"MARK"},{"crd":"1265467","suffix":null,"lastName":"FURTADO","firstName":"CARMEL","middleName":"ANN"},{"crd":"5998968","suffix":null,"lastName":"GLAZIER","firstName":"MITCHELL","middleName":"ALAN"},{"crd":"7897604","suffix":null,"lastName":"Goodman-Brown","firstName":"Sandi","middleName":"S."},{"crd":"5372368","suffix":null,"lastName":"Graham","firstName":"Matthew","middleName":"Michael"},{"crd":"4151321","suffix":null,"lastName":"GREEN","firstName":"ROBERT","middleName":"LYLE"},{"crd":"7118689","suffix":null,"lastName":"Grose","firstName":"Nicholas","middleName":"Peter 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Colony Advisory Group, Inc.","displayName":"Bay Colony Advisory Group","slug":"bay-colony-advisory-group-152583","website":"https://baycolonyadvisors.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Delaware corporation","fiscalYearEnd":"December","headquarters":{"street":"86 Baker Avenue Extension, Suite 310","city":"Concord","state":"MA","stateName":"Massachusetts","country":"United States","postalCode":"01742"},"tradeNames":["Allegiance Financial Services Inc.","Asymmetric Capital Advisory","Christopher Lee Financial","Emerald Wealth Advisors","Essential Asset Management, LLC","Glazier Financial Advisors","Greenhaven Financial Management","Legacy Financial","Leonard Financial Group","Sentinel Advisory Services","Tewks Wealth Management, LLC","Windsor Wealth Management"],"registration":{"secApproved":"17 May 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control person, since April 2012. Also president in the 10% to 25% ownership band and a control person, since January 2025."},{"label":"The John W. Ohl Irrevocable Life Insurance Trust","detail":"Owner in the 5% to 10% ownership band, since May 2025."},{"label":"The John W. Ohl Irrevocable Life","detail":"Owner in the 5% to 10% ownership band, since May 2025."},{"label":"The Flamstead Revocable Trust of 2021","detail":"Owner in the 50% to 75% ownership band and a control person, since December 2021."},{"label":"The Flamstead Revocable Trust of","detail":"Owner in the 50% to 75% ownership band and a control person, since December 2021."},{"label":"Joia Kirby","detail":"Indirect owner: trustee of The John W. Ohl Irrevocable Life Insurance Trust and a control person, since July 2012.","parent":"The John W. Ohl Irrevocable Life Insurance Trust"},{"label":"John Ohl","detail":"Indirect owner: a trustee of The Flamstead Revocable Trust of 2021 in the 75% or more band and a control person, since December 2021.","parent":"The Flamstead Revocable Trust of 2021"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":16,"privateResidences":9},"listedOfficeAddresses":8,"foreignOffices":[],"officesByState":[{"state":"Connecticut","offices":1,"addresses":[{"street":"8 Wright Street","city":"Westport"}]},{"state":"Florida","offices":1,"addresses":[{"street":"2955 Pineda Plaza Way","city":"Melbourne"}]},{"state":"Massachusetts","offices":4,"addresses":[{"street":"86 Baker Avenue Extension, Suite 310","city":"Concord","headquarters":true},{"street":"27 Main Street","city":"Topsfield"},{"street":"167 Washington Street Suite 14","city":"Norwell"},{"street":"155 South Street","city":"Wrentham"}]},{"state":"New Hampshire","offices":1,"addresses":[{"street":"15 N. Southwood Drive","city":"Nashua"}]},{"state":"Vermont","offices":1,"addresses":[{"street":"3013 Route 30","city":"Dorset"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"978-369-7200","stateRegisteredReps":30,"otherAdviserReps":2,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Other"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"1000","assetMix":[{"label":"Exchange-traded equity securities","percent":42},{"label":"U.S. government/agency bonds","percent":6},{"label":"U.S. state and local bonds","percent":2},{"label":"Investment grade corporate bonds","percent":3},{"label":"Non-investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":44},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"23 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/152583/PDF/152583.pdf","brochureDate":"23 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023601","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Bay Colony Advisory Group have?","answer":"Bay Colony Advisory Group has 2,668 clients and manages $1.43 billion for them, as of March 2026. They include 1,786 individual clients, 864 high-net-worth individuals, and 10 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 23 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Bay Colony Advisory Group offer?","answer":"Bay Colony Advisory Group provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Bay Colony Advisory Group charge?","answer":"Bay Colony Advisory Group charges 0.65%–1.85% a year for its Investment Management Services. The fee is billed in advance and is negotiable.","source":"BAY COLONY ADVISORS ADV PART 2A FIRM BROCHURE AND BROCHURE SUPPLEMENTS, filed 23 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Bay Colony Advisory Group use?","answer":"Bay Colony Advisory Group’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $1.26B. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Bay Colony Advisory Group have?","answer":"Bay Colony Advisory Group has 30 investment adviser representatives registered with state securities authorities, out of 36 employees, and 30 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 18 employees are 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 Colony Advisory Group invest in?","answer":"At the end of its last fiscal year, Bay Colony Advisory Group’s separately managed accounts held 44% registered funds (mutual funds, ETFs, BDCs), 42% exchange-traded equities, 6% U.S. government and agency bonds, 3% investment grade corporate bonds, 2% state and local bonds, 2% cash and equivalents and 1% high-yield corporate bonds.","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 Colony Advisory Group?","answer":"Bay Colony Advisory Group is owned through trusts by John Ohl. Its direct owners are James Catacchio (10% to 25%), the John W. Ohl Irrevocable Life Insurance Trust (5% to 10%), the John W. Ohl Irrevocable Life (5% to 10%), the Flamstead Revocable Trust of 2021 (50% to 75%) and the Flamstead Revocable Trust of (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 23 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Bay Colony Advisory Group get paid?","answer":"Bay Colony Advisory Group is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Bay Colony Advisory Group?","answer":"Bay Colony Advisory Group’s main office is at 86 Baker Avenue Extension, Suite 310, Concord, MA 01742. Its phone number is 978-369-7200. Its website is baycolonyadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 23 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}