{"url":"https://nivawealth.com/firms/bay-pointe-wealth-340986","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/340986","regulatoryAum":115917788,"crd":"340986","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5793851","suffix":null,"lastName":"BUSUTTIL","firstName":"BRETT","middleName":"CHARLES"},{"crd":"5797186","suffix":"Jr.","lastName":"PAUWELS","firstName":"MARK","middleName":"FRANK"},{"crd":"7216006","suffix":null,"lastName":"Walschlager","firstName":"Matthew","middleName":"Curtis"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-136334","legalName":"Bay Pointe Wealth, LLC","displayName":"Bay Pointe Wealth","slug":"bay-pointe-wealth-340986","website":"https://baypointefinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Michigan limited liability company","fiscalYearEnd":"December","headquarters":{"street":"36631 Green Street","city":"New Baltimore","state":"MI","stateName":"Michigan","country":"United States","postalCode":"48047"},"tradeNames":[],"registration":{"secApproved":"28 May 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":950145.8032786886,"staff":{"employees":3,"advisory":2,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":115917788,"discretionary":115917788,"discretionaryAccounts":276,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":84,"regulatoryAum":30967872},{"label":"High-net-worth individuals","clients":38,"regulatoryAum":84949916}],"feePrograms":[{"role":"other","program":"Fee-Based Annuities","summary":"Advisory fees on fee-based annuities, including RILAs and variable fee-based annuities, are up to 1% annually, negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1059885","versionId":1059885,"submittedOn":"2026-10-01","documentName":"FORM ADV PART 2A-  BAY POINTE WEALTH, LLC"},{"role":"other","program":"Financial Planning","summary":"Fixed financial plan fees run from $1,000 to $12,000 by complexity, ongoing planning is up to $6,000 per quarter, and hourly work is $100 to $500.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1059885","versionId":1059885,"submittedOn":"2026-10-01","documentName":"FORM ADV PART 2A-  BAY POINTE WEALTH, LLC"},{"role":"other","program":"Pension Consulting","summary":"Asset-based pension consulting fees are up to 1.00% annually, negotiable, and withdrawn in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1059885","versionId":1059885,"submittedOn":"2026-10-01","documentName":"FORM ADV PART 2A-  BAY POINTE WEALTH, LLC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T18:15:51.709147+00:00","documents":[{"name":"FORM ADV PART 2A-  BAY POINTE WEALTH, LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1059885","versionId":1059885,"submittedOn":"2026-10-01"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":115917788}],"custodyNote":"Bay Pointe Wealth has custody of client assets.","leadership":[{"name":"Brett Busuttil","title":"Managing Partner, Chief Compliance Officer, Financial Advisor","crd":"5793851"},{"name":"Mark Pauwels","title":"Partner & Financial Advisor","crd":"5797186"}],"ownership":[{"label":"Mark Pauwels","detail":"Partner & financial advisor in the 50% to 75% ownership band and a control person, since February 2026."},{"label":"Brett Busuttil","detail":"Managing partner, chief compliance officer, financial advisor in the 50% to 75% ownership band and a control person, since February 2026."}],"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Michigan","offices":2,"addresses":[{"street":"36631 Green Street","city":"New Baltimore","headquarters":true},{"street":"300 S Riverside Ave.","city":"St. Clair"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"58627360071","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":4},{"label":"Securities issued by registered investment companies or business development companies","percent":96}],"privateFunds":0},"sources":{"adv1FilingDate":"1 October 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/340986/PDF/340986.pdf","brochureDate":"1 October 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1059885","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 Pointe Wealth have?","answer":"Bay Pointe Wealth has 122 clients and manages $116 million for them, as of October 2026. They include 84 individual clients and 38 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 1 October 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Bay Pointe Wealth offer?","answer":"Bay Pointe Wealth provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Bay Pointe Wealth use?","answer":"Bay Pointe Wealth’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $116M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 October 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Bay Pointe Wealth have?","answer":"Bay Pointe Wealth has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 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 Pointe Wealth invest in?","answer":"At the end of its last fiscal year, Bay Pointe Wealth’s separately managed accounts held 96% registered funds (mutual funds, ETFs, BDCs) and 4% exchange-traded equities.","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 Pointe Wealth?","answer":"Bay Pointe Wealth’s direct owners are Mark Pauwels (50% to 75%) and Brett Busuttil (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 1 October 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Bay Pointe Wealth get paid?","answer":"Bay Pointe Wealth is paid through a percentage of assets under management, hourly charges and fixed fees. 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":"Is Bay Pointe Wealth registered with the SEC?","answer":"Yes, Bay Pointe Wealth has been registered with the SEC as an investment adviser since 28 May 2026. Its CRD number is 340986 and its SEC file number is 801-136334.","source":"Form ADV Part 1A, Item 1, filed 1 October 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Bay Pointe Wealth?","answer":"Bay Pointe Wealth’s main office is at 36631 Green Street, New Baltimore, MI 48047. Its phone number is 58627360071. Its website is baypointefinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 1 October 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."}