Bay Rhode Financial San Francisco — Bay Rhode Financial & Insurance Solutions is the practice of founder Thomas Manning, a financial adviser based at 425 Market Street, Suite 1600 in San Francisco’s Financial District. Public materials describe a planning-first approach for business owners, professionals, educators, and public employees who want integrated help with investments, retirement income, insurance, and employee benefits—without treating each account in isolation.
About Bay Rhode Financial & Insurance Solutions
According to the firm’s founder biography, Thomas Manning began his career in 2011 and worked in institutional trading and boutique investment sales before joining New York Life as an investment solutions consultant. He lived in the San Francisco Bay Area from 2017 to 2020 and founded Bay Rhode Financial & Insurance Solutions in April 2024 to serve clients with a more community-focused practice.
Regulatory disclosures on the firm’s published materials state that Manning offers investment advisory services through Eagle Strategies LLC, a registered investment adviser, and securities products through NYLIFE Securities LLC, a FINRA/SIPC member broker-dealer—both New York Life affiliates. Bay Rhode Financial is described as not owned or operated by New York Life Insurance Company. Consumers can review registration and disclosure history through FINRA BrokerCheck (CRD #6116428) and the SEC’s IAPD database before engaging.
The practice website emphasizes clarity over complexity: clients often arrive with one pressing decision—rollover timing, pension choices, or a coverage gap—but the firm maps accounts, benefits, and goals into a broader picture before recommending next steps.
Services and practice areas
- Comprehensive financial planning — cash-flow, accumulation, and goal-based planning tied to client timelines.
- Investment strategy — portfolio guidance offered in connection with affiliated RIA and broker-dealer channels.
- Retirement income planning — strategies for pensions, 403(b), 457 plans, CalSTRS considerations, and Social Security coordination for educators and public employees.
- Life, disability, and long-term care insurance — risk management aligned with Manning’s New York Life agent licensing (CA license #4027242 cited on LinkedIn).
- Business and employee benefits planning — retirement plans, group benefits, succession, and liquidity planning for business owners.
- Family, education, and legacy planning — college funding, gifting strategies, and estate coordination (tax/legal counsel referred out per firm disclosures).
Who they serve
Official site copy highlights three client segments: business owners balancing personal and company capital; professionals and families with scattered accounts seeking a unified strategy; and educators and public employees navigating CalSTRS, 403(b), 457, and legislative changes. Manning is registered for investment advice in California and Texas, according to third-party adviser directories—confirm current state licenses before remote engagements.
Languages and accessibility
Primary client communications appear to be in English. ADA accommodations at the Market Street office tower were not confirmed on desk review—call ahead for elevator access, appointment format (in-person vs. virtual), and document delivery preferences.
Location and contact
- Address: 425 Market St #1600, San Francisco, CA 94105, United States
- Phone: +1 415-416-9838
- Website: bayrhodefinancial.com
Frequently asked questions
Is Bay Rhode Financial an independent RIA?
Bay Rhode Financial & Insurance Solutions is Manning’s branded practice. Investment advisory and securities activities are offered through Eagle Strategies LLC and NYLIFE Securities LLC, New York Life affiliates—not a standalone SEC-registered firm owned by the brand alone. Read Form ADV and BrokerCheck disclosures for fees and conflicts.
Does Thomas Manning help CalSTRS and school-district employees?
Yes—public site content specifically mentions educators, CalSTRS, 403(b), and 457 plans. Pension rules and district benefits vary; bring your latest benefit statements to an initial consultation.
Does the firm provide tax or legal advice?
Published disclaimers state that Bay Rhode, New York Life, and its agents do not provide tax, legal, or accounting advice. Coordinate with your CPA and attorney for returns, entity structure, and estate documents.
Last verified (desk review): July 2026 — NAP, founder bio, and affiliate disclosures from bayrhodefinancial.com; CRD cross-check via Indyfin/BrokerCheck reference.
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Not financial, investment, tax, or legal advice. Insurance and securities products involve fees, surrender charges, and market risk. Review Form ADV, prospectuses, and policy illustrations with qualified professionals before committing.
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