Individuals & Families

We are a fee-based financial planning firm that develops customized financial plans at a set price. Through our co-advisor model, you’ll always work with at least one CFP-designated advisor and a supportive, experienced team eager to assist you.

  • Foundational Planning

    Fee: $1,500 or $125/month

    Best suited for new clients seeking basic cash flow analysis, insurance analysis, investment analysis, basic retirement projections, college projections, and debt management support.

    Clients at this tier of services receive support from one advisor on our team.

  • Comprehensive Planning

    Fee Range: $2,500-$5,000

    Ideal for clients needing executive compensation strategies for stock options, RSUs, and long-term incentives; complex student loan and tax planning (using Holistiplan); coordination with estate planning attorneys and CPAs; special needs planning; and retirement income strategies.

    Clients at this tier benefit from a co-advisor model.

  • Advanced Planning

    Fee Range: $5,000-$10,000

    Best suited for those seeking multi-generational planning, charitable giving strategies, business transition planning, and high net worth/complex investment and distribution strategies.

    Clients at this tier of service receive support under a co-advisor model.

  • Investment Management

    Annual Fee: 0.7% - 1.2% of portfolio

    We offer investment management as an additional service for clients during the implementation phase of planning. Although not required, here’s why clients often opt to invest with our team.

  • Insurance Services

    Costs Vary

    We offer insurance services during the implementation phase of planning. Because we believe in creating the plan first, you’ll have the confidence you need to make a well-informed decision.

What Can I Expect In My First Year As A Client?

INTRO CALL

15-30 Minute Introductory call or Zoom to determine if we are a good fit for what you are looking for. We will discuss your goals, answer any questions you might have, and explain how we work with our clients.

DISCOVERY MEETING

60-90 Minute - In this discovery session, we lay the groundwork for your customized financial plan. By exploring your goals, concerns, and priorities, we gain a thorough understanding of your unique needs. Once we have a complete overview of your finances, we analyze your situation in detail to develop tailored recommendations just for you.

PLAN DELIVERY & RECOMMENDATIONS MEETING

60-90 Minutes In this session, we present a thorough analysis of your financial plan and offer precise recommendations to help you achieve your goals. We not only explain the rationale behind each recommendation but also actively seek and incorporate your feedback throughout the process. This collaborative approach is what our clients value most, ensuring that your financial plan reflects your unique preferences and priorities at every stage.

INITIAL CHECK-IN MEETING (POST IMPLEMENTATION)

60 Minutes 2-3 months after implementation of investment or insurance strategies: Review the progress and performance of implemented investment or insurance strategies. Assess any adjustments needed based on market conditions or changes in your financial situation.

ONGOING SUPPORT & GUIDANCE

At Coastal Financial, we provide tailored support with regular meetings, typically 1-3 times annually based on your needs. These sessions ensure your financial plan remains aligned with your goals, adapting to changes in your situation and market conditions. We're committed to empowering you with personalized advice and continuous communication to achieve your long-term financial success.

Schedule an Intro Call

Let’s chat! We’ll answer any questions you have, big or small, and help you see if we’re the right fit for you.