Thomas Manning

Founder & Principal

Thomas "Tom" Manning is the founder of Bay Rhode Financial & Insurance Solutions, where he works with individuals, families, and business owners on comprehensive financial planning, investment strategy, and risk management. His work is centered on clarity, disciplined decision-making, and long-term alignment - helping clients move from fragmented financial choices to a coordinated plan they actually understand and trust.

Tom began his career in institutional finance and capital markets in New York City, gaining early exposure to portfolio mechanics, fixed income strategies, and the realities of market risk. Since 2011, he has worked across investments and insurance, advising alongside experienced professionals and supporting clients through both growth and uncertainty. That breadth of experience now informs a pragmatic, planning-first approach - where products and portfolios are tools, not the strategy itself.

In 2024, Tom founded Bay Rhode Financial & Insurance Solutions to build a firm aligned with how he believes advice should be delivered: thoughtful, conservative where it matters, and tailored to real lives rather than models on a page. His practice emphasizes retirement income planning, investment allocation, insurance integration, and helping clients make confident decisions without pressure or noise.

Tom lives in San Francisco, California with his fiancée, Maria, and their dog, Jameson. They love to spend summer in Rhode Island, where Tom grew up, and frequently travel to Argentina to visit Maria's family.

Outside of work, he enjoys golf, hiking, exploring new restaurants, and staying active in his community, including serving as a volunteer assistant wrestling coach.

Emily Prah

Registered Service Assistant

Emily (“Emma”) Prah is a Registered Sales Assistant supporting Bay Rhode Financial & Insurance Solutions. She brings a background in project management, operations, and marketing, with experience working alongside advisors in the financial services industry.

Emma earned degrees in Psychology, Marketing Communications, and Legal Studies from California Lutheran University. Earlier in her career, she worked as a Project Manager for a national real estate coaching organization, where she supported firm-wide branding and operational efforts.

She later transitioned into financial services through the New York Life, where she gained exposure to advisor support, client service, and practice operations.

In her current role, Emma focuses on scheduling, application processing, client coordination, and administrative support - helping ensure a smooth and organized experience for both clients and advisors.

Emma holds both health and life insurance licenses along with her FINRA SIE, Series 6 and Series 63 licenses.

Outside of work, Emma enjoys spending time near the water and with her partner Finn and beloved dog, Jax.