# EDGAR Filing Document

**Accession Number:** 0002055414
**File Stem:** 0002055414-26-000002
**Filing Date:** 2026-4
**Character Count:** 14506
**Document Hash:** 8c0219251d8c084c2badd93e00a4c58f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002055414-26-000002.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0002055414-26-000002

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260422

**DATE AS OF CHANGE**: 20260422

**EFFECTIVENESS DATE**: 20260422

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Bay Capital Advisors, LLC
- **CENTRAL INDEX KEY:** 0002055414

**ORGANIZATION NAME:**
- **EIN:** 814499787
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24931
- **FILM NUMBER:** 26884064

**BUSINESS ADDRESS:**
- **STREET 1:** 582 LYNNHAVEN PARKWAY
- **STREET 2:** SUITE 302
- **CITY:** VIRGINIA BEACH
- **STATE:** VA
- **ZIP:** 23452
- **BUSINESS PHONE:** 757-816-0967

**MAIL ADDRESS:**
- **STREET 1:** 582 LYNNHAVEN PARKWAY
- **STREET 2:** SUITE 302
- **CITY:** VIRGINIA BEACH
- **STATE:** VA
- **ZIP:** 23452

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Bay Capital Advisors LLC<br>**Address:** 582 LYNNHAVEN PARKWAY<br>SUITE 302<br>VIRGINIA BEACH, VA 23452

**Form 13F File Number:** 028-24931

**CRD Number (if applicable):** 000140796

**SEC File Number (if applicable):** 028-24931

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** James Michael Upshaw<br>**Title:** Investment Analyst<br>**Phone:** 4058343418

**Signature, Place, and Date of Signing:**

James Michael Upshaw  Chesapeake, VA  04-22-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 107

**Form 13F Information Table Value Total:** $162237984

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBVIE INC | COM | 00287Y109 |  | 676395 | 3110 | SH |  | SOLE |  | 0 | 0 | 3110 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 599537 | 2090 | SH |  | SOLE |  | 0 | 0 | 2090 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1926017 | 6698 | SH |  | SOLE |  | 0 | 0 | 6698 |
| AMAZON COM INC | COM | 023135106 |  | 621269 | 2983 | SH |  | SOLE |  | 0 | 0 | 2983 |
| AMPLIFY ETF TR | AMPLIFY CYBERSEC | 032108664 |  | 827934 | 11026 | SH |  | SOLE |  | 0 | 0 | 11026 |
| APPLE INC | COM | 037833100 |  | 3025881 | 11923 | SH |  | SOLE |  | 0 | 0 | 11923 |
| ASTRAZENECA PLC | ORD | G0593M107 |  | 247708 | 1256 | SH |  | SOLE |  | 0 | 0 | 1256 |
| BANK AMERICA CORP | COM | 060505104 |  | 549112 | 11264 | SH |  | SOLE |  | 0 | 0 | 11264 |
| BARRICK MNG CORP | COM SHS | 06849F108 |  | 1473008 | 36112 | SH |  | SOLE |  | 0 | 0 | 36112 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 387673 | 809 | SH |  | SOLE |  | 0 | 0 | 809 |
| BROADCOM INC | COM | 11135F101 |  | 1117192 | 3610 | SH |  | SOLE |  | 0 | 0 | 3610 |
| CALAMOS STRATEGIC TOTAL RETU | COM SH BEN INT | 128125101 |  | 300079 | 17528 | SH |  | SOLE |  | 0 | 0 | 17528 |
| CATERPILLAR INC | COM | 149123101 |  | 896910 | 1266 | SH |  | SOLE |  | 0 | 0 | 1266 |
| CHEVRON CORPORATION | COM | 166764100 |  | 397303 | 1920 | SH |  | SOLE |  | 0 | 0 | 1920 |
| CISCO SYS INC | COM | 17275R102 |  | 308886 | 3981 | SH |  | SOLE |  | 0 | 0 | 3981 |
| CITIGROUP INC | COM NEW | 172967424 |  | 496222 | 4375 | SH |  | SOLE |  | 0 | 0 | 4375 |
| COCA-COLA EUROPACIFIC PARTNE | SHS | G25839104 |  | 304833 | 3362 | SH |  | SOLE |  | 0 | 0 | 3362 |
| COHEN  STEERS CLOSED-END | COM | 19248P106 |  | 128300 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| DARDEN RESTAURANTS INC | COM | 237194105 |  | 224074 | 1143 | SH |  | SOLE |  | 0 | 0 | 1143 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 224176 | 5754 | SH |  | SOLE |  | 0 | 0 | 5754 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 588731 | 13048 | SH |  | SOLE |  | 0 | 0 | 13048 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 224864 | 5326 | SH |  | SOLE |  | 0 | 0 | 5326 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 447589 | 11518 | SH |  | SOLE |  | 0 | 0 | 11518 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 677053 | 10952 | SH |  | SOLE |  | 0 | 0 | 10952 |
| ELI LILLY  CO | COM | 532457108 |  | 1349362 | 1467 | SH |  | SOLE |  | 0 | 0 | 1467 |
| ETFS GOLD TR | PHYSCL GOLD SHS | 00326A104 |  | 1143031 | 25617 | SH |  | SOLE |  | 0 | 0 | 25617 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1007815 | 5940 | SH |  | SOLE |  | 0 | 0 | 5940 |
| FIDELITY COVINGTON TRUST | FUNDAMENTAL SMAL | 316092295 |  | 311850 | 9761 | SH |  | SOLE |  | 0 | 0 | 9760 |
| FIDELITY COVINGTON TRUST | ENHANCED LARGE | 31609A305 |  | 725817 | 19360 | SH |  | SOLE |  | 0 | 0 | 19360 |
| GENWORTH FINL INC | COM SHS | 37247D106 |  | 138064 | 17003 | SH |  | SOLE |  | 0 | 0 | 17003 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 239550 | 1719 | SH |  | SOLE |  | 0 | 0 | 1719 |
| GLOBAL X FDS | NASDAQ 100 COVER | 37954Y483 |  | 396994 | 23148 | SH |  | SOLE |  | 0 | 0 | 23148 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 618766 | 731 | SH |  | SOLE |  | 0 | 0 | 731 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 440245 | 955 | SH |  | SOLE |  | 0 | 0 | 955 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 3095899 | 151685 | SH |  | SOLE |  | 0 | 0 | 151685 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 373551 | 3332 | SH |  | SOLE |  | 0 | 0 | 3333 |
| INVESCO EXCHANGE TRADED FD T | AI AND NEXT GEN | 46137V639 |  | 1272302 | 21912 | SH |  | SOLE |  | 0 | 0 | 21912 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 908188 | 4732 | SH |  | SOLE |  | 0 | 0 | 4732 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 15558006 | 26955 | SH |  | SOLE |  | 0 | 0 | 26955 |
| ISHARES INC | MSCI EQUAL WEITE | 464286681 |  | 559735 | 5500 | SH |  | SOLE |  | 0 | 0 | 5500 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 12226812 | 241541 | SH |  | SOLE |  | 0 | 0 | 241541 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 9294620 | 21798 | SH |  | SOLE |  | 0 | 0 | 21798 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 4069185 | 32734 | SH |  | SOLE |  | 0 | 0 | 32734 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 626618 | 9279 | SH |  | SOLE |  | 0 | 0 | 9279 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1698149 | 2600 | SH |  | SOLE |  | 0 | 0 | 2600 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 443419 | 6318 | SH |  | SOLE |  | 0 | 0 | 6318 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 342255 | 1380 | SH |  | SOLE |  | 0 | 0 | 1380 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 391341 | 1832 | SH |  | SOLE |  | 0 | 0 | 1832 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 374508 | 3722 | SH |  | SOLE |  | 0 | 0 | 3722 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 768103 | 5797 | SH |  | SOLE |  | 0 | 0 | 5797 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 2602333 | 45913 | SH |  | SOLE |  | 0 | 0 | 45912 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 200565 | 821 | SH |  | SOLE |  | 0 | 0 | 821 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 2470446 | 8398 | SH |  | SOLE |  | 0 | 0 | 8398 |
| LEGG MASON ETF INVT | FRANKLIN INTL LW | 52468L505 |  | 3171486 | 78231 | SH |  | SOLE |  | 0 | 0 | 78231 |
| LEIDOS HOLDINGS INC | COM | 525327102 |  | 249921 | 1607 | SH |  | SOLE |  | 0 | 0 | 1607 |
| MICROSOFT CORP | COM | 594918104 |  | 1176592 | 3179 | SH |  | SOLE |  | 0 | 0 | 3178 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 661988 | 4023 | SH |  | SOLE |  | 0 | 0 | 4023 |
| NEOS ETF TRUST | NEOS S 500 HI | 78433H303 |  | 844824 | 17112 | SH |  | SOLE |  | 0 | 0 | 17112 |
| NEWMONT CORP | COM | 651639106 |  | 650583 | 6010 | SH |  | SOLE |  | 0 | 0 | 6010 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 258013 | 899 | SH |  | SOLE |  | 0 | 0 | 899 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 312466 | 458 | SH |  | SOLE |  | 0 | 0 | 458 |
| NUVEEN NASDAQ 100 DYNAMIC OV | COM SHS | 670699107 |  | 266780 | 10003 | SH |  | SOLE |  | 0 | 0 | 10003 |
| NUVEEN S 500 DYNAMIC OVERW | COM | 6706EW100 |  | 239909 | 14929 | SH |  | SOLE |  | 0 | 0 | 14929 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1537092 | 8814 | SH |  | SOLE |  | 0 | 0 | 8814 |
| ONEOK INC NEW | COM | 682680103 |  | 218785 | 2420 | SH |  | SOLE |  | 0 | 0 | 2420 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 334807 | 5352 | SH |  | SOLE |  | 0 | 0 | 5352 |
| PEPSICO INC | COM | 713448108 |  | 426690 | 2748 | SH |  | SOLE |  | 0 | 0 | 2747 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 405569 | 2808 | SH |  | SOLE |  | 0 | 0 | 2808 |
| PROSHARES TR | RUSS 2000 DIVD | 74347B698 |  | 302674 | 4400 | SH |  | SOLE |  | 0 | 0 | 4400 |
| RTX CORPORATION | COM | 75513E101 |  | 309026 | 1602 | SH |  | SOLE |  | 0 | 0 | 1602 |
| RYDER SYS INC | COM | 783549108 |  | 337298 | 1648 | SH |  | SOLE |  | 0 | 0 | 1648 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 |  | 803811 | 13121 | SH |  | SOLE |  | 0 | 0 | 13121 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 3512816 | 26432 | SH |  | SOLE |  | 0 | 0 | 26432 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 206964 | 4510 | SH |  | SOLE |  | 0 | 0 | 4510 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 341650 | 794 | SH |  | SOLE |  | 0 | 0 | 794 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 8079982 | 176999 | SH |  | SOLE |  | 0 | 0 | 176999 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 17965897 | 234726 | SH |  | SOLE |  | 0 | 0 | 234725 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 1124076 | 11481 | SH |  | SOLE |  | 0 | 0 | 11481 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 346120 | 2372 | SH |  | SOLE |  | 0 | 0 | 2372 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 608068 | 935 | SH |  | SOLE |  | 0 | 0 | 935 |
| STEEL DYNAMICS INC | COM | 858119100 |  | 540540 | 3003 | SH |  | SOLE |  | 0 | 0 | 3003 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 308681 | 628 | SH |  | SOLE |  | 0 | 0 | 628 |
| TOWNEBANK PORTSMOUTH VA | COM | 89214P109 |  | 1136699 | 33760 | SH |  | SOLE |  | 0 | 0 | 33760 |
| UNITED RENTALS INC | COM | 911363109 |  | 510721 | 701 | SH |  | SOLE |  | 0 | 0 | 701 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 284255 | 2940 | SH |  | SOLE |  | 0 | 0 | 2940 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 6877718 | 89113 | SH |  | SOLE |  | 0 | 0 | 89113 |
| VANGUARD BD INDEX FDS | LONG TERM BOND | 921937793 |  | 3223383 | 46865 | SH |  | SOLE |  | 0 | 0 | 46865 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 819487 | 1876 | SH |  | SOLE |  | 0 | 0 | 1876 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 337721 | 565 | SH |  | SOLE |  | 0 | 0 | 565 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 855887 | 2832 | SH |  | SOLE |  | 0 | 0 | 2832 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 362208 | 1760 | SH |  | SOLE |  | 0 | 0 | 1760 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 768327 | 2571 | SH |  | SOLE |  | 0 | 0 | 2571 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 464771 | 1449 | SH |  | SOLE |  | 0 | 0 | 1449 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1815184 | 9252 | SH |  | SOLE |  | 0 | 0 | 9252 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 259324 | 903 | SH |  | SOLE |  | 0 | 0 | 903 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 676801 | 9012 | SH |  | SOLE |  | 0 | 0 | 9012 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 787120 | 3660 | SH |  | SOLE |  | 0 | 0 | 3660 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 894031 | 13952 | SH |  | SOLE |  | 0 | 0 | 13952 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 8903301 | 60117 | SH |  | SOLE |  | 0 | 0 | 60117 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 580790 | 2586 | SH |  | SOLE |  | 0 | 0 | 2586 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 587084 | 2484 | SH |  | SOLE |  | 0 | 0 | 2484 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 462795 | 663 | SH |  | SOLE |  | 0 | 0 | 663 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 507325 | 3500 | SH |  | SOLE |  | 0 | 0 | 3500 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 347395 | 6920 | SH |  | SOLE |  | 0 | 0 | 6920 |
| VISA INC | COM CL A | 92826C839 |  | 953379 | 3154 | SH |  | SOLE |  | 0 | 0 | 3154 |
| WALMART INC | COM | 931142103 |  | 689347 | 5547 | SH |  | SOLE |  | 0 | 0 | 5547 |
| WISDOMTREE TR | WISDOMTREE US VA | 97717W547 |  | 3271548 | 34536 | SH |  | SOLE |  | 0 | 0 | 34535 |

---