WHAT: A free review of your current financial situation. This covers topics like cash flow, equity comp, investments, tax analysis, and retirement.
WHY: To help you determine how we will work together, the services we provide, and the value we offer so you can make an educated decision about hiring our firm.
WHO: Tech professionals employees interested in an ongoing relationship.
Financial Clarity
You will finish with a strategy blueprint that shows you areas for improvement and focus.
25-Minute Call
We have found that the best way to start is with a 25 minute phone call.
No Charge or Requirement
Before you ever pay us, you will know exactly how we can improve your finances.
Your Free Financial Analysis
1) “Are We A Fit?” Meeting
We start off with a 25-minute phone call so we can make sure your situation matches our expertise. This way we know there is a potential fit before committing your time or ours. After all, you wouldn’t see a foot specialist if you needed a dentist.
If we aren’t the right team to help you, we will happily point you in a better direction.
2) Analysis
If we decide to continue the conversation, we will collect information from you to get a clear overview of your current financial situation.
Then, we’ll condense our analysis into your personal Strategy Blueprint.
3) Strategy Session
After completing your strategy blueprint, we’ll have a 1-hour meeting (virtual or in person) where we review your current financial situation–using plain language, so you can understand exactly where you are and where you’re going
4) Think About It
Take time to review the financial analysis & proposal and determine the next step that is right for you.
WHAT HAPPENS AFTER THE STRATEGY SESSION?
After we walk through your Strategy Blueprint, we’ll give you some time to decide if you want to work with us.
We only want to partner with people who are excited to work with us–so we’ll never pressure you into a decision. This isn’t a timeshare presentation.
If you decide we are the right firm to partner with, let us know and we can begin the process of bringing you on as a client.
But if you decide we aren’t right for you, that’s okay too.
Here We Go!
We are excited to partner with you. Before we get started and the fun begins, we will regroup (either in-person or virtually) to answer any remaining questions and guide you through the new client process. After that, we will start the paperwork to become a client.
Step #1: Schedule Your “Are We A Fit?” Meeting
Fees - what does this all cost?
There is no charge for the evaluation and strategy session. If you decide to become a client:
For clients with more than $250,000 to invest: we charge a percentage fee based on the assets under management. Financial planning is included.
For clients with < $250,000 in assets: we charge a financial planning fee based on complexity ($3,600 - $10,000 / year) in addition to the assets under management fee. Once the $250,000 AUM threshold is met, we will transition to the portfolio management fee schedule.
For clients who choose to hire us in an advice only role: We only charge a financial planning fee based on complexity ($3,600-$10,000 / year).
Still Have Questions? Keep Reading…
+ Can you meet virtually and work with people in other states?
Yes! While many of our clients are in Southern California, we work with people all over the US. We work with clients in a variety of ways, including virtually. We can use Google Meet, Zoom, phone call, or whatever works best for you!
+ How does Coastal Capital make money?
We are a fee-only firm. This means we don't get commissions and we don't sell any products. Our fees depend on your needs and complexity and are a clear line item.
Other financial advisors might be commission based, which may lead to a conflict of interest or cause fees to be murky. Not us.
Whether you choose to work with us in an advice-only role or manage your investments, you will have one transparent fee. Our aim is to make sure you can reach your goals without worry.
Scheduling your first phone call with us and going through our Free Financial Analysis will help you make an educated decision about working with our firm and others you may be evaluating.
+ Do you offer an hourly or one-time project fee options?
Good financial planning and investing is a process, not an event. We do our best work with people looking to partner for the long term. Because of that, we do not offer an hourly fee schedule or a one-time project fee option.
If you need help locating a financial planner who offers hourly or one-time project fee options, send us a note and we will do our best to get you in the right hands.
+ Are you a fidicuary?
Yes! This means we are required to act in your best interest no matter what.
+ How are you different than other financial advisors?
There are four really important things about our firm that separate us from others:
We actually choose the investments. We don't outsource them to 3rd parties, where you pay additional fees. Based on your situation, we structure a portfolio to help you reach your goals.
We focus on tech employees. We have clients navigate similar questions and issues.
We specialize in equity comp. So we know how to help you exercise, sell, and try not to get killed with taxes.
We know what can go wrong. So when we work together, we can help you avoid landmines. But if it's already happened (spoiler alert: there's always landmines), we know where to look and how to fix it.
+ Why should I consider hiring Coastal capital?
Great question! But first, let us explain why you shouldn't hire us:
- If you want to manage your investments yourself.
- If you are looking for an advisor who places you in a portfolio determined by age or risk tolerance.
- If you want an advisor who can "time the market."
We only focus on what we can control. Predicting if the stock market will go up or down, or guessing what interest rates will do next, are not things you can control.
But if you're interested in things like investing with confidence, optimizing your taxes, and reducing risk, you're in the right place.
Step #1: Schedule Your “Are You A Fit?” Meeting
This phone call will give us both a chance to make sure your situation matches our expertise.