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Your Priorities.

We nurture what matters to you.
Learn about the people we help.

Retirees

Families and Individuals

Business Owners

Our Process.

We teach you how to do it.
Our foundational approach to financial planning identifies your priorities, goals, and establishes a plan that places you in control
Spending Plan
  • Budget
  • Fixed Expenses
  • Variable Expenses
Saving Plan
  • Savings Priorities
  • Emergency Fund
  • Education Savings
  • Debt Management
Investment Plan
  • Investment Goals
  • Proper Investment Vehicles
  • Portfolio Design
Insurance Plan
  • Life Insurance
  • Disability Insurance
  • Long Term Care
  • Property and Casualty
Estate Plan
  • Healthcare Proxies
  • Power of Attorney
  • Wills and Trusts
  • Charitable Remainder Trust
Tax Plan
  • Tax Aware Investing
  • Projections
  • Tax Efficient Distribution

Our Investment Philosophy

Understanding how Coastal thinks about asset allocation, investment selection, and risk management is essential.
Goals & Risk Profile

Be clear and realistic about the goals you are striving for, the expected length of time to achieve those goals, the amount of risk you can tolerate as well as how much you need to take, and other material circumstances such as need for income, tax situation, etc.

Asset Allocation

Implement a strategic global allocation model that strives to balance the maximum desired return for the least amount of risk.

Diversification

Diversify investments both between and within asset classes.

Investment Selection

Utilize rigorously vetted and consistently proven mutual funds and Exchange Traded Funds (ETFs) for their accessibility, transparency, diversification, low cost and tax efficiency.

Investing in mutual funds involves risk, including possible loss of principal.

Rebalancing

Take a prudent approach to rebalancing. Consider tax implications, total fees and cash flows when realigning an allocation.