Great Bay Financial Group
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.
Welcome to Great Bay
Guidance 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.
As Featured In
Complimentary Resource
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.
What We Do
Five 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.
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Investment Planning
Portfolios designed through our proprietary RiskFirst® approach — risk before return, designed to seek downside risk mitigation.
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Legacy Planning
Strategies for the tax-efficient transfer of what you've built to the people and causes you love.
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Risk Management
Preparing for the what-ifs — market downturns, long-term care, inflation, and the loss of a spouse.
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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 →Our Commitment
Advice Held to a Fiduciary Standard
Education First
Turning what you've saved into reliable income — Social Security, pensions, and withdrawals, coordinated.
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.
Keep Learning
Advice Held to a Fiduciary Standard
Education First
Secure access to your accounts
Blog
Weekly insights, in plain English
Video Library
Short lessons on big questions
Document Library
Guides, checklists & worksheets
Ready to Start the Conversation?
No pressure, no pitch — just a conversation about where you are and where you want to go.