Founded in 1951, Bay Financial Associates is one of the oldest and largest financial services firms in the Northeast. It assists clients in the areas of financial planning, wealth management, and executive and employee benefits. Bay Financial Associates offers life, health, disability income and long-term care insurance plans. Its affiliates, Bay Financial Advisors and LPL Financial, provide financial advisory services related to cash management, education funding, tax strategies, and retirement and stock option planning. Bay Financial Associates maintains a location in Waltham, Mass.