{"url":"https://nivawealth.com/firms/golden-bay-advisors-166679","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/166679","regulatoryAum":295660102,"crd":"166679","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5745010","suffix":null,"lastName":"GASPARELLA","firstName":"LINDZY","middleName":"CHRISTINE"},{"crd":"5316931","suffix":null,"lastName":"KRUSKO","firstName":"MATTHEW","middleName":"Z"}],"total":2,"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"},"history":[{"filedOn":"2021-01-19","regulatoryAum":139427194,"clients":176,"employees":1,"offices":1},{"filedOn":"2022-02-25","regulatoryAum":148704056,"clients":138,"employees":1,"offices":1},{"filedOn":"2023-02-21","regulatoryAum":137992161,"clients":73,"employees":1,"offices":1},{"filedOn":"2024-04-12","regulatoryAum":140093577,"clients":62,"employees":1,"offices":1},{"filedOn":"2025-02-26","regulatoryAum":156031401,"clients":60,"employees":1,"offices":1},{"filedOn":"2026-07-08","regulatoryAum":295660102,"clients":154,"employees":1,"offices":1}],"secFileNumber":"801-78077","legalName":"Golden Bay Advisors LLC","displayName":"Golden Bay Advisors","slug":"golden-bay-advisors-166679","website":"https://goldenbayadvisors.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/166679/17b06342029cbfcb-r1.webp","tone":"light","width":1157,"height":200,"sourceUrl":"https://www.goldenbayadvisors.com/","sourceLabel":"Golden BAY Advisors LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/golden-bay-advisors/?viewAsMember=true","founded":"2013","organization":"Delaware limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"31 May 2013","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1734188.5034013605,"staff":{"employees":1,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":295660102,"discretionary":262453752,"discretionaryAccounts":147,"nonDiscretionary":33206350,"nonDiscretionaryAccounts":6,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":124,"regulatoryAum":84961230},{"label":"High-net-worth individuals","clients":23,"regulatoryAum":169964480},{"label":"Pension and profit-sharing plans","clients":6,"regulatoryAum":33206350},{"label":"Corporations and other businesses","clients":1,"fewerThan5":true,"regulatoryAum":7528042}],"feePrograms":[{"role":"other","program":"Financial planning","summary":"Flat fees for financial planning services ranging from $1,000 to $10,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051072","versionId":1051072,"submittedOn":"2026-07-08","documentName":"ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T14:38:58.814728+00:00","documents":[{"name":"ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051072","versionId":1051072,"submittedOn":"2026-07-08"}]},"custodians":[{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Culver City, CA","smaAssets":166275849},{"name":"Hand Benefits & Trust Company","shortName":"Hand Benefits & Trust","location":"Houston, TX","smaAssets":33206350},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":96177903}],"custodyNote":"Golden Bay Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Matthew Krusko","title":"CEO/Chief Compliance Officer","crd":"5316931"}],"ownership":[{"label":"Matthew Krusko","detail":"Ceo/chief compliance officer in the 75% or more ownership band and a control person, since May 2013."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"brochureServices":["retirement plan services"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"914-215-0194","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":9},{"label":"U.S. government/agency bonds","percent":17},{"label":"Securities issued by registered investment companies or business development companies","percent":71},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"8 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/166679/PDF/166679.pdf","brochureDate":"8 July 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051072","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 Golden Bay Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Golden Bay Advisors offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Golden Bay Advisors use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Golden Bay Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Golden Bay Advisors invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Golden Bay Advisors?","answer":"Golden Bay Advisors’ direct owner is Matthew Krusko (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 8 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Golden Bay Advisors get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Golden Bay Advisors?","answer":"Its phone number is 914-215-0194. Its website is goldenbayadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 8 July 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."}