Atlantic Coast Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$59,650,000
Total clients
248
13% high-net worth
Total advisors
1
of 2 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
248
Average account size
$240,524
About
The firm provides discretionary investment management and financial consulting to individuals, high‑net‑worth clients, small businesses, trusts and estates, managing roughly $59.7 million in client assets across 248 client relationships. Services include customized portfolio construction using low‑cost mutual funds, ETFs, fixed income and equities, ongoing supervision, and retirement account advice including ERISA/IRA considerations.
Its investment approach combines fundamental and technical analysis with a primarily long‑term orientation while permitting shorter‑term trades for rebalancing, tax or client liquidity needs; portfolios may retain legacy positions for tax or fit reasons. The firm also offers hourly financial consulting and generally directs custody and execution to a recommended qualified custodian on an institutional platform.
Notable distinctions include an unusually high client count per advisor — more than 200 clients per advisor — a level that is uncommon among peers and may inform expectations about contact frequency and service delivery. The firm’s principal maintains a separate insurance practice (about 10% of time) and the firm receives institutional‑platform benefits from its recommended custodian; both arrangements are disclosed as potential conflicts of interest for clients to consider.
Client services
Financial planning
Portfolio management
Expertise
Wealth management
Retirement plans for business owners (SEP, solo 401k)
General retirement planning
Cash flow / budgeting
Fee options
$0 - $999,999: 1.25% $1,000,000 - $2,999,999: 1.00% $3,000,000+: 0.9%
Up to $200 per hour for financial consulting services; negotiable based on service complexity.
Fee-only: Investment management fees based on tiered AUM schedule as above; Financial consulting offered at hourly rate up to $200/hour, negotiable.
Main office location
Atlantic Coast Financial
69 York St, Suite 3
Kennebunk ME 04043, United States
Number of offices
1
Most active in
Atlantic Coast Financial has reported serving >5 clients in these states in the last 12 months.
Florida · Maine · Massachusetts · New Hampshire
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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