Wells Fargo Advisors Financial Network

Objective Advice Designed to Help Benefit You

Welcome to Bay Rivers Group and thank you for taking the time to visit our website. We hope that your visit will be informative and introduce you to our independent approach toward business, investment planning, and risk management. 
 
Bay Rivers Group is an independent investment planning team with a mission. Our mission is to treat our clients the way they wish to be treated, to work together with our clients to develop and help achieve their financial goals, and to manage personal and financial risk.
 
Why independent? We chose to become an independent team in order to align our interests with our clients’ and put their needs first. We believe this is critical to the advisor/client relationship and understand that our clients believe this to be true as well.
 
We advise clients from all walks of life across the country. Whether you are currently building or preserving wealth, distributing income during life, or planning to distribute assets after death, having an appropriate plan is essential to planting the foundations for success. While sometimes these plans are simple, many are complex. It all depends upon your family and financial structure. 
 
If you believe you need a team of independent advisors that consider your unique needs on a personal basis, then we encourage you to contact us for an introductory appointment. Only then can we mutually determine whether our methodology, planning experience, and personalities are a match for you. You may reach us at 757-259-2450 or toll-free at 888-259-2480. We can also be e-mailed using the “Contact Us” link at the top of the page.
 
Thank you again for taking the time to visit our website and we look forward to serving your wealth management needs.
 

 
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Cost of Retirement

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Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

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Newsletters

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

What Do Price/Earnings Ratios Really Have to Offer?

It's not hard to find the price/earnings ratios of publicly traded companies or even the market as a whole reported in the news. Unfortunately, it may be difficult to understand what the numbers mean without the ability to make meaningful comparisons.

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

Another Economic Stimulus

Temporary incentives could affect businesses of all sizes. Although Congress was unable to tackle the controversial issue of future income tax rates before the 2010 midterms, it quietly passed a little-noticed tax package, the Small Business Jobs Act of 2009 (H.R. 5297), that may benefit small businesses and even individual taxpayers.

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