Retirement isn't a product. It's a system — built around you.
Great Bay Financial Group helps families turn a lifetime of saving into a coordinated retirement system: income, investments, taxes, risk, and legacy — working together.
Get StartedGuidance for Every Phase of Your Financial Life
Great Bay Financial Group is a registered investment advisory firm founded by Jennifer Farrington, serving families as they accumulate wealth, transition into retirement, and turn savings into dependable income.
Jennifer built the firm on a simple belief: retirees deserve education, not a sales pitch. Every engagement begins with understanding — of your goals, your concerns, and the moving parts of your financial life — before a single recommendation is made.
Get to Know UsAs Featured In
The Retirement Budget Planner
Before you can plan your income, you need to know what your retirement actually costs. Our budget planner walks you through the numbers most people miss — so you can see your full picture clearly.
Download NowFive Pillars. One Coordinated Retirement System.
Most advisors hand you pieces. We build the whole — five planning disciplines designed to work as one.
Income Planning
Turning what you've saved into reliable income — Social Security, pensions, and withdrawals, coordinated.
Learn More →Investment Planning
Portfolios designed through our proprietary RiskFirst® approach — risk before return, designed to seek downside risk mitigation.
Learn More →Legacy Planning
Strategies for the tax-efficient transfer of what you've built to the people and causes you love.
Learn More →Risk Management
Preparing for the what-ifs — market downturns, long-term care, inflation, and the loss of a spouse.
Learn More →Advanced Tax Planning
Understanding what your tax exposure could look like across retirement — before it surprises you.
Learn More →See How It Fits Together
Explore the full Great Bay approach to building a sound retirement system.
All Services →Advice Held to a Fiduciary Standard
Education First
Every conversation should leave you more informed — whether or not you ever become a client.
Transparency
Clear explanations of how we work, how we're compensated, and any conflicts of interest.
A Process, Not a Pitch
Recommendations come from a documented planning process — never from a product quota.
Coordination
Income, investments, taxes, risk, and legacy reviewed together, because they move together.
Ready to Start the Conversation?
No pressure, no pitch — just a conversation about where you are and where you want to go.
About Great Bay Financial Group
A Planning Firm Built on Education, Not Sales
Great Bay Financial Group is a registered investment advisory firm serving pre-retirees and retirees through every phase of their financial lives — building wealth, transitioning out of full-time work, and drawing dependable income for decades to come.
We believe the people we serve should understand every recommendation before acting on it. That's why education sits at the center of everything we do — from our first conversation to every annual review after it.
Meet JenniferJennifer Farrington
Jennifer Farrington founded Great Bay Financial Group with a mission to help retirees and soon-to-be retirees approach their next chapter with added confidence. Her planning philosophy brings a tax-aware, risk-conscious lens to every decision — because in retirement, what you keep matters as much as what you earn.
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Risk First. Always.
Markets can't be predicted — but they can be planned for. Our proprietary RiskFirst® approach looks at risk before return, asking one question before any other: what happens to your plan if the market has a bad year at the wrong time?
From there, we build a coordinated retirement system that goes well beyond a portfolio — because true financial well-being touches your income, your taxes, your insurance, and the legacy you leave behind.
How We Work
Every relationship follows a defined process: a discovery conversation about your goals and concerns; a full review of income, investments, taxes, insurance, and estate documents; a written plan in plain English; and ongoing reviews as life and markets change.
No product pitches. No pressure. A process you can see, understand, and question at every step.
Our Services
A Comprehensive Retirement System
Retirement planning fails when it's done in pieces. We coordinate five planning disciplines into a single system — so your income strategy, your investments, your tax picture, your protection, and your legacy all pull in the same direction.
Income Planning
Defining what your retirement costs and building reliable income to fund it — Social Security, pensions, and withdrawal strategy, working together.
Explore →Investment Planning
Portfolio strategies managed through the lens of risk before return, designed to seek downside risk mitigation while pursuing needed growth.
Explore →Legacy Planning
Planning the safe, tax-efficient transfer of your assets to the people and causes that matter most — on your terms.
Explore →Risk Management
Preparing for the unexpected and the inevitable — long-term care, the loss of a spouse, inflation, and market shocks.
Explore →Advanced Tax Planning
Reviewing your tax situation to understand what your exposure could look like throughout retirement — and planning around it.
Explore →Not Sure Where to Start?
Start with a conversation. We'll help you see the whole picture.
Schedule a Complimentary ConversationResources
Education Is Where Every Good Decision Starts
Browse our library of articles, videos, and downloadable guides — built to make you smarter about retirement, whether or not you ever work with us.
Video Library
Document Library
Practical guides, checklists, and worksheets — yours to download, no strings attached.