
About Us
Matt Krusko
I feel fortunate to have held interesting, high-level positions in finance, the law, and politics. Because of my diverse background, I am able provide my clients with informed and detailed advice across a wide range of financial topics. Here is an illustrative list of client matters I’ve been involved with over the years:
applying for Small Business Administration (“SBA”) loans
applying for revolver loans and collateral-backed loans
financial planning in the wake of an unexpected death and divorce
sale of a multi-branch bank in a neighboring state
due diligence in connection with the possible purchase of a small business
first-time mortgages and mortgage refinances (residential and commercial)
commercial lease renewal reviews
charitable gifting strategies (GRATs, CLATs, CRUTs, SLATs)
asset allocation advice regarding 529, 403(b) and 401(k) accounts
trust creation and administration
estate administration
life insurance review and renewals
Finance: Prior to founding Golden Bay Advisors, I worked for Bernstein Global Wealth Management and First Republic Bank, building a financial advisory business with nearly $250 million in assets under management and managing that business through the depths of the 2008-2009 financial crisis.
Law: After graduating from law school, I was a litigation attorney with Cravath, Swaine & Moore LLP for roughly six years.
Politics: Between college and law school I spent five years working in Congress, first as a congressional aide in the U.S. House of Representatives and then as a congressional aide in the U.S. Senate.
Education & Credentials: B.S., with honors, from Cornell University, and a J.D. from the University of Virginia School of Law; Editor, Virginia Law Review. Certified Financial Planner (CFP®); Chartered Financial Analyst (CFA®)
My proudest accomplishment by far is being the father of two incredible sons: Alex, a cadet at the U.S. Military Academy at West Point and a member of the lacrosse team; and Chase, a student at the Williston Northampton School.
Lindzy Gasparella,
Director – Client Relations
Lindzy has nearly two decades of experience in the financial services industry. In her current role, Lindzy oversees all aspects of client service, ensuring that clients have a seamless, personalized experience with our firm. Prior to joining Golden Bay, Lindzy worked at Shareholders Service Group (now part of Altruist Financial, LLC), where she handled trading, cash-flow processing and various operational functions for hundreds of Registered Investment Advisors. Lindzy holds a BA from the University of California, Davis along with the Series, 7, 24, and 63 licenses. Lindzy lives in San Diego with her husband, Andy, and their three delightfully busy boys: Parker, Luke and Graham. They enjoy spending time together as a family, and you can usually find them on the beach or at a Little League game.