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Membership with Bay Federal Credit Union includes a complimentary, no-obligation consultation with Gina Bayer, Sam Solgan, or Kevin Penrose, our experienced LPL* Investment Team. Whether you are just beginning to invest, looking to assess your retirement savings or investments, or getting ready to move on to retirement, Gina, Sam, and Kevin can help customize investment options to help you pursue your short-term and long-term goals.

Make a difference in your financial life. Schedule a no-obligation consultation today!     Make an Appointment


Gina Bayer 
Gina Bayer
LPL Financial Advisor
At Bay Federal Credit Union
831.479.6000 or 888.4BAYFED, option 7

Gina Bayer has deep knowledge of the financial industry, which she has worked in for more than 25 years, and is knowledgeable in both retirement and holistic estate planning. She has been helping members plan for their futures at Bay Federal since 2000 and manages the Credit Union’s LPL Investment Services team.

Gina was born and raised in Santa Cruz, not far from Bay Federal’s headquarters in Capitola. She comes to work each day excited to make a difference in the financial lives of her clients and to work with her amazing team. In her off time, she enjoys cooking, musical theater, and spending time with her husband and family. She regularly supports many local charities.

“My goal is to help my clients reach retirement prepared. I want you to feel good about the plan you have for your future, and I will do what it takes to help make that happen.”

Securities: AL, AZ, CA, CO, CT, FL, HI, ID, MT, NC, NE, NM, NV, NY, OR, SD, VT, WA
Insurance: CA (#0B47344), ID, OR, NY, NV

Sam Solgan 
Sam Solgan 
LPL Financial Advisor 
At Bay Federal Credit Union
831.479.6000 or 888.4BAYFED, option 7

Sam Solgan has a track record of helping members uncover and develop their life goals, creating personalized plans for their futures. He has worked in the financial industry since 2009, when he was an intern attending Santa Clara University Leavey School of Business, where he graduated in the top 10% of his class with a Bachelor’s of Science in Business Economics.

After leaving big banks for Bay Federal’s model of putting its members first in 2013, Sam established a reputation locally as an investment professional you can have confidence in. The Harbor High alum enjoys hiking and visiting national parks across the US. He lives on the Eastside of Santa Cruz and is very active with Lions Club International, specifically the Cabrillo Host Lions chapter.

“I work hard to pursue my passion for helping our members achieve their goals while maintaining a solid reputation in the community.”

Securities: AZ, CA, CO, NY, OR, TX, WA
Insurance: CA (#0I32797)

Kevin Penrose 

Kevin Penrose
LPL Financial Representative
At Bay Federal Credit Union
831.479.6000 or 888.4BAYFED, option 7

Kevin Penrose joined Bay Federal in 2012, seeking out the Credit Union after graduating from UC Santa Cruz with a degree in Legal Studies. He was drawn to Bay Federal by its values of giving back to the community and keeping money local.

Since then, he has worked his way up, embracing a career in finance with an emphasis on excellent member service. Members appreciate his responsiveness, honesty, and guidance in their personal finance journeys. Outside the office, he enjoys barbecuing and cheering on his favorite sports teams.

“Personal finance and helping others has always been an area in which I wanted to apply myself. Please let me know how I can help answer any questions you might have. I look forward to working with you!”

Securities: CA
Insurance: CA (#0I81534)

*Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Bay Federal Credit Union deposits and are not NCUA insured. These products are not obligations of the Credit Union and are not endorsed, recommended, or guaranteed by Bay Federal Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. Bay Federal Credit Union and Investment Services at Bay Federal Credit Union are not registered broker/dealers and are not affiliated with LPL Financial. Please check with your registered representative for state registrations.

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