At BayCoast Financial Services, we know that the savings and investment decisions you make today will impact your life, tomorrow.
As you experience changes during every stage of life, it’s important to review your investment plan to ensure you are meeting your changing needs. For many of our customers, traditional bank savings products may not always provide the growth or income you need to turn your financial dreams into a reality.
At BayCoast Financial Services, we want to help guide you to a solid and secure financial future. Whether you’re planning for a short-term event, or investing your money for a long-term goal, you need a ﬁnancial partner who will tend to the seeds you’ve planted, so you can grow your financial potential.
Let us be your guide.
When you choose BayCoast Financial Services, our knowledgeable team of Financial Advisors will work with you to develop a personalized investment strategy just for you. If your ﬁnancial situation changes, we will help you adjust your portfolio accordingly. We want you to rest assured that your best interests are our best interests. Please contact us for a conﬁdential ﬁnancial review today.
First Vice President, BayCoast Financial Services, Investment Representative, Infinex Investments Inc.
Vice President, BayCoast Financial Services, Financial Advisor, Infinex Investments Inc.
Products & Services
At BayCoast Financial Services, we make available a wide range of investment options that reﬂect our conservative philosophy. We believe in a long-term investment strategy that strives to balance risk and return by using a diversiﬁed portfolio. We focus on quality, so you can invest with conﬁdence.
Mutual Funds allow you to pool your money with that of other investors who have similar investment goals. These funds provide potential for long-term growth, professional money management, and diversiﬁcation* opportunities for investment dollars.
BayCoast Financial Services offers access to the following annuities: Tax Sheltered Annuities** are tax qualiﬁed plans offered to employees of non-proﬁt organizations and employees of public school systems. Fixed Annuities, which are tax deferred, allow you to safely take advantage of competitive fixed interest rates. A ﬁxed annuity is an insurance product that can provide you with steady income in the future. Variable Annuities combine the tax-deferral beneﬁts of a ﬁxed annuity with the ﬂexibility and performance of an investment fund. You control the investment options and can take advantage of potentially competitive returns through market exposure.
Stocks and Bonds
Our ﬁnancial advisors can place stock, bond, and treasury bill orders. All domestic stock exchange orders are available to our clients. We offer a broad range of bonds to help you meet your income needs, including Treasuries, Federal Agencies, corporate, municipal, and mortgage backed. We can also process employee stock options.
BayCoast Financial Services offers access to various bank CDs. CDs have characteristics that are common with bonds, but also include FDIC protection up to the applicable limits. CDs should be held to maturity to avoid loss of principal.
Insurance can provide ﬁnancial protection for your family or business. We offer term, whole life, wealth transfer, and long-term care.
REITs (Real Estate Investment Trusts)
REITs are companies that own and manage a portfolio of various types of real estate. REITs can sell like stocks on major exchanges and can provide diversiﬁcation and long-term capital appreciation. Clients may enjoy the beneﬁts of real estate ownership without the associated difﬁculties of being a landlord.
College Savings Plans
BayCoast Financial Services can help facilitate College Savings Plans, which can be used to pay tuition, fees, room and board, books and required supplies at accredited colleges, universities and vocational schools across the country.
How do you envision your retirement? Whether you’re just starting out, retiring in a few years or find yourself anywhere in between, let us help you get your retirement picture into focus.
We offer access to various IRAs: SIMPLE, Roth, traditional, rollovers, transfers, and SEP (Simpliﬁed Employee Pension) plans. IRAs allow the income from interest, dividends and capital gains to compound each year without taxes**. In addition, you may also be able to defer taxes on either the money you put into the plan initially or on the money you withdraw in retirement, depending upon whether you choose a traditional or Roth IRA.
Remember: Investing is Personal
Your individual experiences are unique and personal to you. That’s why it’s important to have a customized approach when it comes to planning for your financial future.
Let our financial experts help you today, so you can reach your goals for tomorrow. BayCoast Financial Services offer you:
Focus – When you have a strategy in place, that may help prevent emotional decision-making and provide better long-term results.
Growth – Getting professional financial help gives you guidance and access to the solutions that may be work best to help you reach your goals.
Support – We are here, by your side, keeping your best interests in mind and helping you define your goals.
Contact Us Today
BayCoast Financial Services
330 Swansea Mall Drive
Swansea, MA 02777
*Diversiﬁcation is a method of controlling risk. It does not assure a gain or the avoidance of loss.
**This information is general in nature and should not be construed as tax advice. BayCoast Financial Services does not offer tax advice. Please consult your tax professional prior to investing.
Investment products may lose value. Mutual funds and variable annuities are offered by prospectus; the prospectus contains more complete product information, including fees and expenses, and should be read care-fully before investing. Structured CDs are long-term in-vestments that are subject to investment risk and are not suitable for purchase by all people. It is important to read and understand the CD’s Term Sheet with information on fees, costs, and risks prior to investing. REIT investments include signiﬁcant risks including limited liquidity, ﬂuctuations in principal, and no guarantees regarding performance. It is important to carefully review the prospectus to understand all risks and costs prior to investing. This information should not be construed as investment advice or a recommendation with respect to products listed.
Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Products and services made available through Inﬁnex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank afﬁliate. These products are subject to investment risk, including the possible loss of value.