Joe Sallee (CFP®, MS)

Planning Specialties

The complexities of investing and retirement planning don’t have to be overwhelming. At Bay Capital, we can help you through life’s transitions and milestones. While developing your personal financial strategies, we walk you through a step-by-step process designed to help you feel confident in your decisions.  Our services include investment management, retirement income planning and estate planning.

Rather than chase the markets, we are focused on creating predictability in your portfolio. Based on your individual needs and risk tolerance, we create an investment portfolio focused on pursuing your long-term goals. This may consist of bonds, Exchange Traded Funds (ETFs), mutual funds, stocks, or other investment vehicles.

Income planning is a critical element of a solid retirement strategy. A major financial goal is to have a consistent and reliable stream of income that will last through retirement. We can help you address critical questions, such as how to shift from retirement savings to retirement income, how to estimate monthly income, and how to ensure those assets last.

Much of your income may come from multiple retirement plans you have or had with your current and previous employers. We are well-versed in the intricacies and nuances of pensions and other military and government retirement plans. We help you coordinate your benefits plans with your other retirement strategies to generate cash flow and create a steady stream of income. 

Many individuals, couples, and families don’t just want to make their assets last for their lifetimes; they want to leave a legacy for their heirs. However, the financial side of estate planning is often overlooked and can have a significant impact on one’s family. We can assist you in articulating your estate planning needs and coordinate the work of other professionals who may be needed, including attorneys and CPAs.