Skip to main content
Bay Point Financial, LLC.
menu
  • Home
  • About
    • Who We Are
    • Our Team
  • Sleep On It
  • Our Services
    • Retirement Planning
    • Investment Planning
    • Tax Planning
    • Social Security Timing
    • Retirement Income
    • Optimizing Insurance
  • Resources
    • Blog
    • Financial Calculators
    • Useful Links
  • Retirement Clarity
  • Contact
  • Retirement

Blog

Scott Sullivan | Jan 20, 2026

Investing in Peace of Mind: The Case for a "Safety-First" Floor

Retirement
Retirement Planning
Is your retirement "probable" or "protected?
Read More
Woman sitting on a rock looking out at lake. In the distance is a large mountain range
Scott Sullivan | Jan 13, 2026

It's Never Too Late to Save for Retirement

Retirement
If you’re in your 50s and haven’t done much to save for retirement, you still have time.
Read More
Scott Sullivan | Jan 12, 2026

Beyond the 4% Rule: Building Your Custom Retirement Engine

Retirement
Retirement Planning
Stop guessing and start spending with confidence!
Read More
Scott Sullivan | Jan 6, 2026

5 Financial Crossroads That Could Reshape Your Future

Finance
Retirement
Family
Tax Planning
Risk Management

You know how life tends to throw in a few plot twists?

They don't ask if you're ready. They just show up—with potential financial consequences tagging along.

A

Read More
Scott Sullivan | Jan 2, 2026

Connecting the Risk Dots

Retirement
Retirement Planning
Retirement risk isn't one thing.
Read More
Scott Sullivan | Dec 18, 2025

Retirement Isn't a Finish Line. It's a Journey That Needs Course Corrections

Retirement
Retirement Planning
Will your plan change with you?
Read More
Scott Sullivan | Dec 12, 2025

The Emotional Side of Risk

Retirement
What is the difference between Risk and Volatility?
Read More
Scott Sullivan | Dec 11, 2025

What 2025 Taught Us About Staying the Course

Investments
Finance
Risk Management
Retirement

Some years pass quietly. 2025 wasn't one of them.

Between market swings, geopolitical shocks, and a news cycle that never seemed to pause, this year tested

Read More
default blog image
Scott Sullivan | Dec 8, 2025

Common Retirement Regrets—And Proactive Moves to Consider

Retirement
Finance
Savings
Risk Management
Insurance
Health
Family
Estate Planning

Many people don’t regret being retired. They regret how they got there.1

“I wish I had saved earlier.”

“I didn’t think long-term care would matter.”

“I should’ve

Read More
Scott Sullivan | Dec 4, 2025

Handling Market Volatility: Why Your Portfolio Is Built for What Comes Next

Retirement
Retirement Planning
Is Your Portfolio Built For the Bumps?
Read More
Scott Sullivan | Nov 25, 2025

Inflation: The Silent Killer

Retirement
Why Inflation Matters
Read More
Scott Sullivan | Nov 19, 2025

One Economy, Two Realities: Understanding Today's Economic Divide

Finance
Investments
Savings
Credit
Risk Management
Retirement

It’s possible for one economy to tell two different stories. One of growth, opportunity, and abundance. Another of constraint, anxiety, and scarcity.

This isn't

Read More

Pagination

  • Current page 1
  • Page 2
  • Page 3
  • Page 4
  • Page 5
  • Page 6
  • Page 7
  • Page 8
  • Page 9
  • Next page Next ›
  • Last page Last »

Offices

Bedford Office

2 Beaudoin Street, Suite A
Bedford, NH  03110

E: john@bayptfin.com
P: 603-626-6699

Laconia Office

144 Pleasant Street
Laconia, NH  03246

E: scott@bayptfin.com
P: 603-581-2629

 
 

Start Here

Get in Touch

Check the background of your financial professional on FINRA's BrokerCheck.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Osaic Wealth Form CRS

Securities offered through Osaic Wealth, Inc., Member FINRA/SIPC.

Advisory Services offered through Bay Point Financial, LLC.

Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.

© 2026 Bay Point Financial, LLC. All rights reserved.