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Our Advisors

Our goal is to help you manage, grow, and protect your family's wealth. Comprehensive advisors must have knowledge across all financial planning disciplines, although we recognize that no single person could be an expert in all these areas.

Our professionals have a diverse backgrounds as investment managers, financial planners, insurance specialists, and tax strategists.  Together our professionals hold various designations and educational credentials including:

  • CERTIFIED FINANCIAL PLANNER™ (CFP®)
  • Certified Public Accountant (CPA)
  • Chartered Financial Consultant (ChFC®)
  • Master of Science in Taxation (MST)
  • Master of Science in Financial Planning (MSFP)
  • Chartered Life Underwriter (CLU®)
  • Personal Financial Specialist (PFS)
  • Juris Doctor (JD)
  • Masters of Laws (LLM)
  • Accredited Investment Fiduciary (AIF®)
    Retirement Income Certified Processional (RICP®)
  • Certified in Long-Term Care (CLTC®)

Bay Financial Associates supports a growing network of advisors with customized services. Advisors have the option of representing themselves under our brand or as their own practice. We empower them to do what works best for their business so they can bring their best to work for you.

Joseph Ferreira

Joseph Ferreira

Private Wealth Advisor

781-577-2868

781-893-3565

Mark R. Lefebvre, CLU, ChFC

Partner, Crosspoint Financial Advisors, LLC

978-256-4700 Ex.111

978-256-4790

Thomas Loonie

Thomas P. Loonie, CPA, MSFP

Director, Financial Planning and Life Insurance

781-893-0909 Ex.284

781-893-3565

Ted Melhado

Ted Melhado, CPFA

LPL Investment Advisor Representative

781-577-2313

Edward Ronan

Edward R. Ronan, CFP®

Lead Advisor, 1st Line Financial, LLC

508-530-3504

866-373-7508

Brennan  Thomas

Wm. Brennan Thomas, CFP®

LPL Financial Advisor, Thomas Financial Associates

508-366-0181

508-366-0452

David Twombly

David B. Twombly, ChFC, CLU, RICP®

Owner | Wealth Advisor, Twombly Wealth Management Group, Inc.

802-254-8064

Tess McCarthy

Financial Advisor Support Associate

781-577-7660

781-893-3565

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