How We Work
Our priorities are to thoroughly discuss and understand every client’s financial picture and to educate clients about the importance of risk management to achieve long-term goals.
"An investment in knowledge pays the best interest." -Benjamin Franklin

Client Centered
Bay Capital is a full-service financial firm, acting in a fiduciary role as an RIA (Registered Investment Advisor). We are also a branch office of Calton & Associates, Inc., a Tampa based brokerage firm. This broadens the range of offerings available and helps accommodate each client’s unique financial goals.

Helping You Navigate Financial Waters
In its 32 years, Bay Capital has always emphasized wealth preservation through strong downside protection, which is an integral part of our mission.
Meet Our Team Of Professionals

Founder
Stephen M. Cooper
Stephen M. Cooper
Investment Advisor Representative, RIA | Registered Representative, Branch Manager, Calton & Associates, Inc.

Associate
Richard J Ryder
Richard J Ryder
Investment Advisor Representative | Registered Representative, Calton & Associates, Inc
A Guide to Social Security for Seniors
Whether you’re nearing retirement age, have a significant disability or are struggling to meet your basic needs, you may be entitled to Social Security. This federal program includes several different components that can provide valuable financial assistance regardless of your age. Here’s what you need to know about eligibility and how to claim your benefits.