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Blog

Scott Sullivan | Apr 28, 2026

Five Steps to a Retirement Plan That Actually Holds

Retirement
Do you know what step you're in?
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Scott Sullivan | Apr 21, 2026

The Questions That Actually Build a Better Retirement Plan

Retirement
Retirement Planning
Are you asking the right questions?
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Scott Sullivan | Apr 15, 2026

What a Good Advisor Actually Does for You

Retirement
Retirement Planning
Do you know where you stand with your Advisor?
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Scott Sullivan | Apr 9, 2026

What $100 Invested in 1928 Would Be Worth Today

Investments
Finance
Savings
Retirement
Risk Management

Many people think the biggest risk with money is losing it. A bad investment. A market crash. A bet that doesn't pay off.

But what if the most expensive

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Scott Sullivan | Apr 7, 2026

The Retirement Toolbox: What You Actually Need in Distribution

Retirement
Retirement Planning
Is your Toolbox ready?
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Scott Sullivan | Mar 31, 2026

Making Financial Decisions with Confidence

Retirement
Retirement Planning
Confident or Not?
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Scott Sullivan | Mar 27, 2026

When the Headlines Keep Changing, Your Strategy Shouldn’t

Investments
Finance
Risk Management

It rarely starts calmly.

A headline breaks. Markets react. Another update follows—then another. Before long, the story feels like it’s shifting by the hour.

And

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Scott Sullivan | Mar 24, 2026

Reading the Economy Without Getting Lost in It

Retirement
Retirement Planning
Who is better at forecasting. Economists or Meteorologists?
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Scott Sullivan | Mar 17, 2026

How the Economy Affects Retirement: Market Noise vs. Retirement Engineering

Retirement
Retirement Planning
Retirement Income
Design a simple income plan
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Scott Sullivan | Mar 10, 2026

The Importance of Reviewing Your Retirement Plan–Regularly

Retirement
Retirement Planning
Spending with a smile
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Scott Sullivan | Mar 6, 2026

A More Flexible Way to Think About Retirement

Retirement
Finance
Lifestyle
Risk Management

Many retirement plans are built on a quiet assumption: that spending stays roughly the same from year one to year thirty.

It sounds reasonable. But research

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Scott Sullivan | Mar 4, 2026

Personalized Planning: Why Your Temperament Trumps "Rules of Thumb"

Retirement
Psychology of Income
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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

 
 

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