Contact

&Partners is a broker-dealer and investment advisor that provides us with comprehensive planning tools, a robust investment platform, and operational support. Through this partnership, we can offer sophisticated tax and estate planning strategy capabilities while your assets remain held at Fidelity. This allows us to focus more time on serving you while accessing resources that help us do our work better.

Our clients typically have between $1 million and $10 million in investable assets and are approaching or living in retirement, though we also work with younger professionals building wealth. More importantly, our clients value relationships, appreciate thoughtful planning, and want advisors who truly listen. Many come to us during significant life transitions when they need both financial guidance and personal support.

Yes. While we’re based in Charlottesville, we serve clients in more than 25 states. Our name “Bay Ridge” reflects this geographic reach—from the Chesapeake Bay to the Blue Ridge Mountains and beyond.

Our collaborative team structure means you can benefit from multiple experienced professionals thinking about your financial life. We spend time listening before making recommendations, we welcome clients regardless of background or family structure, and we’re committed to being accessible guides through both good times and challenging transitions. Our partnership with &Partners also gives us access to sophisticated planning tools than we could provide on our own.

When you work with our team, you can benefit from multiple perspectives and areas of focus. You’ll have a primary advisor who knows your situation well, but our team discusses client situations together. This collaboration often can lead to better solutions than any single advisor may develop alone. It also means you’re never dependent on just one person—multiple team members know your goals and can help you.

We build long-term strategies designed to support your goals rather than trying to predict short-term market movements. We blend active and passive investment approaches because we don’t believe they’re mutually exclusive—both have value depending on your situation. We also focus heavily on behavioral coaching because how you respond to market volatility often affects your results as much as which investments you own.

We typically meet with clients at least annually for comprehensive reviews, but we communicate throughout the year as needed. You’ll hear from us when we see opportunities or concerns that affect your situation, and we’re here whenever you have questions or experience life changes. Many clients interact with multiple team members over the course of a year.

We earn compensation through advisory fees based on the assets we manage and through commissions on certain insurance and investment products. We’re transparent about how we’re paid and focus on recommendations that serve your best interests. During our initial meetings, we’ll clearly explain all fees and compensation related to the services we provide.