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Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Bay Rivers Group have?","answer":"Bay Rivers Group has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 2 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 Rivers Group invest in?","answer":"At the end of its last fiscal year, Bay Rivers Group’s separately managed accounts held 48% exchange-traded equities, 34% registered funds (mutual funds, ETFs, BDCs), 13% U.S. government and agency bonds and 5% 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 Rivers Group?","answer":"Bay Rivers Group’s direct owners are Bruce Lemley, Alan Broderick and Charles Lucy, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 13 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Bay Rivers Group get paid?","answer":"Bay Rivers Group is paid through a percentage of assets under management, hourly charges and fixed fees. 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