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Our Team at Bay Financial Associates LLC

Dan Muscatello and Team
Left to right: Dan Muscatello, John J. McCarthy, John Kerr and Ted Burke.
Seated: Thomas P. Loonie.
Not pictured: Joseph Donovan, Susan P. McGuire

Dan Muscatello

Private Wealth Advisor

Dan's team consists of the resources of both Bay Financial Associates and LPL Financial. Dan has been serving clients since 2002. He works with families, small businesses, CPAs, attorneys, and executives to develop, implement and monitor financial strategies that are holistic in nature. He is series 7 and 66 registered with LPL Financial and conducts business in numerous states.

Using a planning based approach his team works as his client's advocate building strategies that are designed with the goal to minimize the impact of market fluctuations and taxes, and seek to achieve both short and long term goals.

His previous work experience includes global responsibility with Fortune 50 companies as well as turnaround experience as a CEO in the medical device space. Dan's skill in identifying and deploying resources to evaluate complex issues is what differentiates him from others in the financial advisory field.

Dan and his wife Kim live in Hopkinton, MA and have three grown children.

Contact:

1900 West Park Drive, Suite 280
Westborough, MA 01581

E-Mail: dan.muscatello@lpl.com
Phone 508-983-1463

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John J. McCarthy, III, CLU, CFP®

Chief Investment Officer
trusted advice ~ exceptional service

Jack oversees Bay Financial Associates, LLC's focus on serving high net worth individuals and their families by designing and implementing wealth management plans that help accumulate, protect and transfer wealth.

His consultative process seeks to align strategies with personalized goals using the following steps:

  • Analyze goals and objectives
  • Formulate a written plan and investment policy
  • Establish an appropriate investment allocation strategy
  • Introduce and implement suitable insurance and investments
  • Monitor on an ongoing basis, making changes as necessary

He is a second-generation financial advisor with over twenty years of experience consulting to executives, small business owners and high net worth individuals. He is a graduate of Babson College with a Bachelor of Science degree in Business Administration, he is a CERTIFIED FINANCIAL PLANNER™ professional, and has earned the Chartered Life Underwriter (CLU) professional designation.

Contact: click here

 

John S. Kerr, CLU, ChFC

John is the Managing Principal of Bay Financial Associates LLC and President of Bay Financial Advisors, Inc. a Registered Investment Advisor.

When clients need advice about their financial situation, John draws on more than 30 years of practical experience. He also works to put himself in his clients' shoes "I try very hard to explain things in understandable terms and to see things from my client's point of view. I want the advice my clients receive to be consistent with advice I would want to receive if I were the client."

John joined Bay Financial Associates in 1983. He is a past President of the Boston General Agents and Managers Association and has served on the Boards of the Boston Association of Financial Service Professionals and the Boston Chapter of the National Association of Insurance and Financial Advisors. He is currently an active member of the Association for Advanced Life Underwriting serving on the Membership Committee.

He is a Registered Principal with LPL Financial holding his FINRA Series 07, 24, 51 and 63 licenses. He is also one of a small number of individuals qualified as a Licensed Insurance Advisor in the Commonwealth of Massachusetts and has served as an expert witness in insurance related disputes.

John is a Trustee of Wilkes University where he serves on the Endowment and Finance Committees.

He enjoys golf, skiing and traveling. He and his wife, Renate, have two children.

Contact: click here

 

Ted Burke

Accredited Investment Fiduciary™
Registered Principal

As an Accredited Investment Fiduciary and LPL Investment Advisor Representative (IAR), Ted spent 17 years working for top retirement plan providers Fidelity Investments, American Express and New York Life. While on the vendor side, Ted worked with many Fortune 1000 companies heading up plan conversions, acting as a day-to-day relationship manager, developing employee education strategies, performing investment analysis and working on vendor pricing models.

Mr. Burke has been a featured speaker on retirement plans at the Massachusetts CPA/Law Forum and has achieved the FINRA Securities Registrations 6, 7, 24 (Registered Principal), 63 and 66. These registrations are held at Mr. Burke’s broker/dealer, LPL Financial. As an Accredited Investment Fiduciary, Mr. Burke adheres to the rigorous standards established by the leading proponent for Fiduciary Due Diligence, the Foundation for Fiduciary Studies.

In addition, Patriot Pension Advisors is part of the retirement specialist group at LPL Financial, called LPL Financial Retirement Partners. LPL Financial advisors have access to specialized tools and resources through LPL Retirement Partners, the retirement plan-focused division of LPL Financial. Through its integrated business platform and team of retirement industry professionals, LPL Retirement Partners supports the operational and practice management needs of retirement plan advisors.

Ted’s clients range from manufacturers to high-tech and include prestigious local companies such as Giant Glass, Moors & Cabot Securities and East Cambridge Savings Bank. This diversity demonstrates the value that Ted’s industry experience brings to the issues and hurdles that clients face when designing or making changes to their retirement plans.

Contact: click here

 

Thomas P. Loonie, CPA, MSFP

Tom Loonie specializes in providing Financial Planning Analysis and Wealth Management Strategies to clients from all walks of life.

He is a graduate of Stonehill College, where he earned an undergraduate degree in Accounting. Upon graduation in 1995 he went to work for the Commercial Audit Division of Arthur Andersen, specializing in audits of mutual funds and publicly traded companies. In 1999, he earned his Certified Public Accountant License. From there, he went to the Internal Audit Division of Fidelity Investments. During that time, he attended Bentley College part-time, earning a Masters in Financial Planning.

He is a member of the American Institute of Certified Public Accountants, the Massachusetts Society of Public Accountants, and the Financial Planning Association. He is a registered investment advisor offering securities and investment advisory services through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.

Contact: click here

 

Joseph Donovan JD, LL.M

Joseph Donovan has recently joined Bay Financial Associates, LLC. He has spent his career implementing wealth transfer, charitable and business succession planning strategies for high net worth and ultra-high net worth families. Joe is a graduate of Boston College, received his JD from Case Western University Law School and his LL.M (Masters of Tax Laws) from Boston University School of Law with studies at New York University School of Law . He is a member of the American Bar Association’s trust and estate section and a member of the Boston Estate Planning Council. He is also a board member and chairman of the Italian Home for Children's Planned Giving Committee and an incorporator for the Rowell Foster Children Fund, Inc.

Joe’s experience includes practicing with a Big Four accounting firm, a law firm, and managing a legal team at a major insurance company. His legal, accounting and insurance industry experiences make Joe a recognized expert in the sophisticated use and design of life insurance products. He has a unique ability to connect with a client’s advisory team. His team approach helps coordinate the planning process with our clients’ CPAs, attorneys, family office and other trusted advisors.

He is also able to explain complicated estate, business, and tax planning concepts in understandable terms. Joe is a frequent speaker and writes on estate, business, and retirement planning issues. He has spoken at the national meeting of the Society of Financial Service Professionals (SFSP), regional estate and tax bar associations, and the national conferences of largest broker dealers in the country. Joe was a member of Boston College's hockey team that reached the Final Four. He's married with two sons and a daughter. Joe is active in his community and enjoys coaching, playing golf, and skiing.

Contact: click here

 

Susan P. McGuire

Chief Compliance Officer

Susan oversees the account servicing, compliance and investment operations, and serves as one of the firm’s LPL Registered Principals. Prior to joining Bay Financial, Susan was with LPL Financial for eleven years, nine as a Compliance Examiner and two with the Operations Department. She has over 18 years of industry experience, also having worked for Fidelity Investments and PaineWebber Properties. Susan earned her Bachelor of Arts Degree from the University of Massachusetts.

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