What Makes Us Different

Barnegat Bay Capital Management, LLC

Barnegat Bay Capital Management, LLC

Founded in 1998, is a Registered Investment Adviser (RIA) serving private and institutional clients. Mary Coughlin, the founder and Managing Member, is a results-driven portfolio manager and Career Fiduciary.

Barnegat Bay has a very specific, client-directed mandate: Manage clients’ Total Portfolios, actively make Risk/Return decisions, and report results each quarter versus a relevant market benchmark.

Mary helps clients achieve competitive returns within the parameters of their risk tolerance levels.

As a Career Fiduciary and Financial Adviser she makes one initial decision – what investments are in her client’s best interest? Not only is she ethically and legally obligated to do so, but it’s the only investment approach she has practiced in her 25+ years as a portfolio manager.

Mary has not earned one commission dollar in her career; she is compensated for her investment expertise, not her sales prowess. Mary is a fee-only RIA.

Barnegat Bay’s clients receive competitive fee-only, performance-based investment management - a rare option for individuals despite its being the historical norm for institutional investors.

Fiduciary - Always Acts in the Client’s Best Interest

Fiduciary - Always Acts in the Client’s Best Interest

At Barnegat Bay Capital Management, Mary Coughlin offers a perspective that few other firms offer. She is an asset manager. Your portfolio is managed by a professional portfolio manager who has practiced fiduciary responsibility for over 25 years. Mary is legally and ethically held to a higher standard, offering prudent investment advice and acting in your best interest. Sometimes Barnegat Bay is more clearly defined by what it is NOT: Mary is not a commissioned salesperson and has never been, she does not sell insurance, she is not a former stockbroker who has transformed into a “financial advisor.” Mary is an independent fiduciary and has been for over two decades.

Professional Investor

At Barnegat Bay Capital Management your assets are managed by Mary Coughlin, a financial adviser, portfolio manager and Career Fiduciary who has spent 25+ years managing institutional and private clients’ assets. Mary invests based on a model of Fiduciary Responsibility. She is legally and ethically bound to a higher standard of prudent investment decisions, acting solely on your behalf, and in your best interest. Your assets are managed in accordance with your performance objectives, net of all expenses, your risk tolerance levels, and your risk/return profiles. You will receive institutional calibre advice generally not available to private investors.

Professional Investor

Your money manager, Mary Coughlin, in her institutional capacity at large firms, has been a portfolio manager managing institutional retirement, endowment, and mutual fund assets with a $50 million minimum. For nearly twenty years Mary Coughlin managed clients’ assets up to $10 billion. Your assets will be managed by a professional who has managed several billion dollars at major institutions including two of the world’s largest and most widely respected Wall Street investment banks, including Morgan Stanley Asset Management. Barnegat Bay actively manages your asset allocation. Many investors don’t establish and rebalance their asset allocation as their circumstances or market views change. Barnegat Bay provides top down, aggregate portfolio information, on all assets custodied wherever clients choose, so clients can make decisions about the risks associated with their total exposure to different asset classes and securities.

Fee Only Investment Management

Mary Coughlin earns No Commissions of Any Kind. Ever.

Fee Only Investment Management

She does not sell, and has never sold, securities, mutual funds, insurance, or any other “financial product” for commission compensation. Mary does not offer any other “financial advice” for commission compensation. Your assets are managed by an independent, fee only asset manager, not a “financial advisor” or “wealth manager.”

Barnegat Bay reports performance net of fees. Always. We find funds that outperform, net of fees, or buy index funds. Many mutual funds underperform their respective indices and Barnegat Bay only recommends outperforming funds. Mary leaves the business of selling securities, insurance and annuities to the capable salespeople in those businesses. Barnegat Bay has a very specific, client-directed mandate: Evaluate and manage clients’ Total Portfolios, actively make Risk/Return decisions on all assets, and report each quarter on short-term and long-term results versus a relevant market benchmark.

Rare Investment Model

Rare Investment Model

Because of the breadth of Mary Coughlin’s expertise in managing several billion dollars in corporate, foundation, endowment, and private family portfolios, she has a results-oriented comprehensive approach which offer private investors an option not provided by many “financial advisors.”

Your portfolio will be managed by a seasoned portfolio manager who performs due diligence with a “top down” approach generally only available to large institutional investors. Mary evaluates a client’s net worth by performing a complete investment analysis, reviewing liquidity needs and risk tolerance levels, before recommending asset allocation and risk management strategies. Your total portfolio will ultimately achieve better returns, commensurate with risks, whether individual positions are in equity or fixed income holdings, mutual funds, separately managed investment accounts or hedge funds.

At Barnegat Bay, you will receive independent, unbiased advice resulting from this analysis of your portfolio: Mary has no incentive to make changes in your portfolio unless they fit within your investment parameters.

Barnegat Bay will manage your disparate accounts in the aggregate as institutional investors do. Many investors have more than one 401k, IRA, & brokerage account and they cannot get aggregate information from their “financial advisor” broker or planner. With Barnegat Bay, you will.

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