# Matthew Krusko

> Matthew Krusko is a fee-only financial advisor at Golden Bay Advisors in Chappaqua, New York, who holds the CFP credential. Golden Bay Advisors reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/matthew-krusko/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Golden Bay Advisors
- **Based in:** Chappaqua, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $295.7M across 153 accounts
- **Credentials:** CFP
- **CRD:** 5316931 (https://adviserinfo.sec.gov/individual/summary/5316931)
- **SEC registration:** Investment adviser representative in NY, TX
- **Exams passed:** Series 66 (2007)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.goldenbayadvisors.com

## Frequently asked questions

### Is Matthew Krusko a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Matthew holds no broker registration, and Golden Bay Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Matthew charge for financial advice?

Matthew's firm, Golden Bay Advisors, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Matthew Krusko based?

Matthew Krusko is based in Chappaqua, New York.

### What credentials does Matthew Krusko hold?

Matthew Krusko holds the CFP credential.

### Is Matthew Krusko registered with the SEC?

Yes. Matthew Krusko is registered as an investment adviser representative in NY and TX (CRD 5316931), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Golden Bay Advisors manage?

Golden Bay Advisors reports $295.7M across 153 accounts in assets under management.

### How do I contact Matthew Krusko?

Through Matthew's website, www.goldenbayadvisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5316931): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.