Our comprehensive financial planning process includes: Financial Position• Tracking current income and expense• Planning for emergency • Managing debt (student loans, credit cards, etc.) • Business ValuationInsurance Review • Analyzing current life insurance protection• Replace earnings power (life & disability) • Providing for business continuity or liquidation Investment Management• Developing an appropriate investment strategy & allocation of various family accounts• Education/College Planning• Strategies to fund future goals Retirement Planning• Analyzing sources of Retirement Income• Planning for adequate income in retirement years• Developing a distribution strategyEstate Planning• Beneficiary Review• Appropriate Estate planning Documents Securities offered through Sigma Financial Corporation, member FINRA (FINRA.org) and SIPC (SIPC.org). Investment Advisory services offered through Sigma Planning Corporation, a Registered Investment Advisor. Bay Pointe Financial Management LLC is independent of Sigma Financial Corporation and Sigma Planning Corporation. Content is strictly for general purposes and is not an offer to sell or solicit any security. For regulatory purposes, we cannot respond to e-mails through this site and any individualized follow-up involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where the registered representative is not registered. Third party posts found on this profile have not been reviewed for accuracy or completeness by nor do they reflect the views of Sigma Financial Corporation, Sigma Planning Corporation or Bay Pointe Financial Management, LLC. Furthermore, to ensure compliance with certain SEC and FINRA rules, we do not use client testimonials on social media sites; this includes receiving and/or posting recommendations or endorsements.