Conscience Bay Capital, Inc.

A fee-only financial advisor is compensated solely by fees paid by the client, without receiving commissions from financial products. A fee-based advisor may receive both fees and commissions. Conscience Bay Capital operates as a fee-only fiduciary, ensuring advice is in the client's best interest.

Conscience Bay Capital partners with LPL Financial, which provides SIPC protection up to $500,000 per customer and excess SIPC coverage of $600 million. Additionally, client deposits are FDIC-insured through multi-bank solutions, offering up to $2.5 million in coverage for single account holders and $5 million for joint accounts.

Conscience Bay Capital employs both active and index styles of investing, selecting appropriate fixed income, equity, and alternative investments based on fundamental analysis. The firm integrates portfolio diversification, risk management, and disciplined long-term investing principles to achieve consistent returns while minimizing costs and taxes.

Retirement planning at Conscience Bay Capital includes setting retirement goals, Social Security planning, business planning, IRA contributions and Roth conversions, 401(k) and other retirement plan management, self-employed retirement plans, pension planning, and RMD strategies to ensure comprehensive retirement readiness.

Business planning services at Conscience Bay Capital cover 401(k) plan review, liquidity events planning, succession planning, access to lending services, and business consulting, providing holistic support for business owners and entrepreneurs.

Conscience Bay Capital operates as a fee-only fiduciary, eliminating conflicts of interest by not selling proprietary products. The firm prioritizes client interests, providing independent, objective advice tailored to individual financial goals and risk profiles.