Help Protect Your Personal WealthPersonal Wealth Management

We help you explore your financial goals and strive to preserve your personal wealth. It's important to have the right perspective, knowledge, and plan in place while you engage in the decision-making process of wealth management.


We aim to meet your particular investment goals and protect you and your wealth. Coming up with the correct investment strategy that fits your personal financial goals is an important step towards financial security.

  1. Assessment of costs, risk, expected returns and tax efficiency
  2. How much capital is enough and why?
  3. Strategic rebalancing to manage risk and increase returns
  4. Portfolio protection strategies
  5. Cash flow and income planning


As our average client is already a millionaire, we employ strategies aimed appropriately as objectives shift from growing wealth to preserving wealth.  We help you cope effectively with the four fundamental threats to maintaining your lifestyle for 30 years of retirement – inflation, taxes, longevity and potential erosion of entitlements. In today’s tax environment, the affluent know tax efficient investing and mitigation strategies are required. Our evidenced-based approach to investing generates less turnover, which reduces capital gains and investment income surtax.

Additionally, our investment management process utilizing our network with local CPAs, allows for individualized tax mitigation strategies that integrate with your Investment Plan.

  1. Tax-efficient investing to trigger lower tax liabilities
  2. Tax loss harvesting to offset gains
  3. Gift transfers maximizing tax benefits
  4. Roth conversion and gain planning
  5. Portfolio Lending


Protection Strategies

We live in a world of risks. Wealth Protection Strategies involve assessing which risks to avoid, which to accept, which to reduce, and which to transfer. After helping clients with a risk assessment, we design a specific strategy for coping effectively with each risk. We accomplish this for clients by working with a network of attorneys, CPAs and insurance specialists to help grant you peace of mind.

  1. Liability gap analysis
  2. Strategic titling of assets
  3. Efficient insurance structuring for your life, health and assets
  4. Asset protection & creditor protection


As we age, we tend to focus more on the legacy we will leave. Our team first listens to learn what your charitable intent is. Second, we aim to maximize your charitable impact to ensure that you will fulfil your altruistic purposes and impact.

  1. Beneficiary alignment with estate plan
  2. College funding
  3. Strategic asset transfers – what, how and when?
  4. Executor and successor trustee selection
  5. Gifting of appreciated assets to get deductions and avoid capital gains taxes
  6. Charitable Trust planning
  7. Charitable retirement plan distributions

The only thing worse than being born blind, is having Sight with no vision!

– Helen Keller

Destin Office
Main: 850-990-0618
Text: 850-367-0090
1234 Airport Road, Suite 121 Destin, FL 32541
St. Petersburg Office
Main: 727-369-6151
Text: 727-496-4963
200 Central Ave, 4th Floor, St. Petersburg, FL 33701

All investing involves risk, including loss of principal. There is no guarantee the investment process will lead to profits. Past performance of any security or strategy is no guarantee or indication of future results or performance. Market conditions change continuously.

Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC  (“RFG Advisory” or “RFG”), a registered investment advisor. BayView Private Wealth and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.

RFG Advisory Part 3, Form CRS, RFG Advisory Form ADV, Part 2A, Investment Advisor Public Disclosure, RFG Advisory Privacy Policy.

Insurance products and services are offered through several insurance providers, including RFG Solutions LLC, an affiliated company of RFG Advisory.

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