WHAT: A 5-step process to help you evaluate our services and make an informed decision about working together.
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: Stock-compensated employees, directors, and executives ho want to delegate their financial planning and investment management to an expert so they spend time on what matters most.
Your Free Financial Assessment
1) “Learn More” Call (15 min)
We start off with a 15-minute virtual meeting 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) Share Documents
If we decide to continue the conversation, we will securely request a few important documents from you to get a clear overview of your current financial situation.
3) Discover Meeting (45-60 min)
The goal of this meeting is to get perfectly clear on your goals, concerns and unique financial situation.
Your answers to our questions, along with the documents we requested you bring, will guide our analysis, which will result in plain-English answers to four critical questions.
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) Our Analysis
Your free Financial Assessment will be guided by your answers to our questions, along with the documents you provide.
We apply our expertise and understanding of who you are to analyze your situation and demonstrate how we answer three critical questions for you:
Are you on track to reach your goals?
How can your tax bill be reduced?
How can your investments be improved?
5) Review Assessment (45-60 min)
In this meeting we present your Financial Assessment. You'll see in dollars and cents how our firm will improve your finances. We'll also leave plenty of time for you to ask any questions on your mind.
If you are happy with the information we have provided and are ready for us to start working with you, we discuss the next steps to formalizing our relationship. Or if you still aren't sure, we encourage you to take some time to think things over.
WHAT HAPPENS AFTER THE Financial Assessment?
After we walk through your Financial Assessment, 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.
We are interested in forming long-term client relationships. To that end, we want you to feel completely comfortable with your decision to partner with us, so it’s important that you take as much time as needed to make a decision. Prior to deciding whether we should work together, you'll want to consider the following questions:
Do I like/trust/respect the team at Coastal Capital Advisors?
Will the benefits they provide exceed their cost?
Do I understand and agree with their investment philosophy?
Do their recommendations make sense to me?
After we walk through your Financial Assessment, 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 “Learn More” Meeting
Fees - what does this all cost?
If you decide to become a client, our fee starts at $1,800 / quarter ($600 / month), which covers the first $500,000 of investments under management.
When assets under our management exceed $500,000, a percentage based fee is applied.
Still Have Questions? Keep Reading…
+ Why should I work with you over another advisor?
In all fairness, it's not a guarantee that you should.
Coastal Capital was designed for tech professionals who are looking for more than a typical advisor relationship.
Rather than just managing your money and checking in with you once a year, we build relationships with our clients and help you design your future while being there every step of the way. If you're looking for something different than your parent's financial advisor, we might be the right fit for you.
*And if we're not the right fit, we'll help you find the right advisor for your situation.
+ 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 Assessment 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.
Step #1: Schedule Your “Learn More” Meeting
This phone call will give us both a chance to make sure your situation matches our expertise.