Golden Bay Advisors provides financial planning, portfolio management for individuals and small businesses, and retirement plan services. Financial planning was provided to 1–10 clients last fiscal year.
Golden Bay Advisors reports 154 clients. They include 124 individual clients, 23 high-net-worth individuals, and 6 pension and profit-sharing plans. Of its assets, 88.8% ($262M across 147 accounts) are managed with discretion; $33.2M across 6 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 81% | 29% |
| High-net-worth individuals | 15% | 57% |
| Pension and profit-sharing plans | 4% | 11% |
| Corporations and other businesses | <1% | 3% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 124 | $85M | 28.7% | $685K |
| High-net-worth individuals | 23 | $170M | 57.5% | $7.39M |
| Pension and profit-sharing plans | 6 | $33.2M | 11.2% | $5.53M |
| Corporations and other businesses | Fewer than 5 | $7.53M | 2.5% | $7.53M |
| Total | 154 | $296M | 100% | — |
- Clients
- 124
- Regulatory AUM
- $85M
- AUM share
- 28.7%
- Avg. per client
- $685K
- Clients
- 23
- Regulatory AUM
- $170M
- AUM share
- 57.5%
- Avg. per client
- $7.39M
- Clients
- 6
- Regulatory AUM
- $33.2M
- AUM share
- 11.2%
- Avg. per client
- $5.53M
- Clients
- Fewer than 5
- Regulatory AUM
- $7.53M
- AUM share
- 2.5%
- Avg. per client
- $7.53M
Total
- Clients
- 154
- Regulatory AUM
- $296M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Golden Bay Advisors is paid through a percentage of assets under management and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning
- Flat fees for financial planning services ranging from $1,000 to $10,000.
Matthew Krusko owns 75% or more of Golden Bay Advisors. The leadership team of Golden Bay Advisors includes Chief Compliance Officer Matthew Krusko. It has 1 employee.
Staff
- 1 employee
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Golden Bay Advisors LLC
Matthew Krusko
Control person · since May 2013
Golden Bay Advisors’ regulatory assets grew 2.1× from $139M (January 2021) to $296M (July 2026); clients fell from 176 to 154 and employees were 1 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jul 2026July 2026 | $296M | 154 | 1 | 1 |
| Feb 2025February 2025 | $156M | 60 | 1 | 1 |
| Apr 2024April 2024 | $140M | 62 | 1 | 1 |
| Feb 2023February 2023 | $138M | 73 | 1 | 1 |
| Feb 2022February 2022 | $149M | 138 | 1 | 1 |
| Jan 2021January 2021 | $139M | 176 | 1 | 1 |
Besides its headquarters, Golden Bay Advisors has 0 offices, with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Golden Bay Advisors LLC
- Headquarters
- Not reported
- Website
- goldenbayadvisors.com
- Phone
- 914-215-0194
- @golden-bay-advisors
- SEC file
- 801-78077
- Founded
- 2013
- Structure
- Delaware LLC
- Fiscal year end
- December
Golden Bay Advisors’ named custodians for separately managed accounts are Altruist ($166M, 56%), Charles Schwab ($96.2M, 33%) and Hand Benefits & Trust ($33.2M, 11%). Golden Bay Advisors does not have custody of client assets.
- AltruistAltruist Financial LLC · Culver City, CA · $166M56%
- Hand Benefits & TrustHand Benefits & Trust Company · Houston, TX · $33.2M11%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $96.2M33%
At year end, Golden Bay Advisors’ separately managed accounts were mostly in funds (71%) and bonds (17%).
What the accounts hold
- Stocks9%
- Funds71%
- Bonds17%
- Cash3%
How many clients does Golden Bay Advisors have?
Golden Bay Advisors has 154 clients and manages $296 million for them, as of July 2026. They include 124 individual clients, 23 high-net-worth individuals, and 6 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 8 July 2026
What services does Golden Bay Advisors offer?
Golden Bay Advisors provides financial planning, portfolio management for individuals and small businesses, and retirement plan services.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Golden Bay Advisors use?
Golden Bay Advisors’ separately managed account assets are held at Altruist Financial LLC (Culver City, CA), with $166M, Charles Schwab & Co., Inc. (Westlake, TX), with $96.2M and Hand Benefits & Trust Company (Houston, TX), with $33.2M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 8 July 2026
How many financial advisors does Golden Bay Advisors have?
Golden Bay Advisors has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 perform investment advisory functions. 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
What does Golden Bay Advisors invest in?
At the end of its last fiscal year, Golden Bay Advisors’ separately managed accounts held 71% registered funds (mutual funds, ETFs, BDCs), 17% U.S. government and agency bonds, 9% exchange-traded equities and 3% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Golden Bay Advisors?
Golden Bay Advisors’ direct owner is Matthew Krusko (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 8 July 2026
How does Golden Bay Advisors get paid?
Golden Bay Advisors is paid through a percentage of assets under management 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
How do I contact Golden Bay Advisors?
Its phone number is 914-215-0194. Its website is goldenbayadvisors.com.