Coastal Financial Advisors, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$23,922,187
Total clients
98
11% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
98
Average account size
$244,104
About
Coastal Financial Advisors, Inc. is a fee‑only, independent registered investment adviser that serves individuals (including high‑net‑worth clients), as well as corporations, trusts, estates and charitable organizations. The firm provides comprehensive financial planning and portfolio management alongside tax planning and preparation, cash‑flow and debt management, and limited bookkeeping support for small businesses.
The firm’s investment approach is goal‑based and individualized, incorporating a client’s tax situation, risk tolerance and financial circumstances into asset allocation and security selection, with an emphasis on no‑load mutual funds, ETFs, U.S. government securities and bonds. Client engagements are offered through hourly, limited project, and annual retainer arrangements; accounts are reviewed at least quarterly and the adviser generally maintains discretionary trading authority while consulting with clients before trades.
What distinguishes the firm from many independent peers is its institutional work: it acts as an investment adviser for ERISA retirement plans (401(k)/403(b)) and provides fiduciary investment services for non‑profit endowments and foundations, services that only a minority of independent firms offer. The firm also maintains membership in NAPFA and follows its fiduciary and ethical guidelines, and combines planning, tax preparation and limited administrative support under a fee‑only model for both individual and institutional clients.
Client services
Financial planning
Portfolio management
Pension consulting
Selecting attorneys or cpas
Expertise
General retirement planning
College savings (529s, UTMA, etc.)
Debt management
Fee options
Flat fees and investment management fees typically range from $3,000 to $20,000; project fees range from $500 to $1,400 per project.
N/A - N/A: ERISA retirement plan fees range from 0.3% to 1.5% of plan assets
Hourly fees range from $200 to $350 per hour depending on level and scope of services.
Fee-only: Fee-only financial advisory firm; does not sell investment or insurance products and does not accept commissions.
Main office location
Coastal Financial Advisors, Inc.
Farmingdale NJ, United States
Number of offices
1
Most active in
Coastal Financial Advisors, Inc. has reported serving >5 clients in these states in the last 12 months.
New Jersey
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
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