Coastal Financial Planning, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$37,000,000
Clients
53
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
53
HighAverage account size
$698,113
About
Coastal Financial Planning provides comprehensive, fee-only financial planning and investment management to individuals and small businesses, and also serves trusts, estates, charitable organizations, and other business entities. The firm manages roughly $37 million across about 53 client relationships and offers retirement, tax, risk management, and estate-planning advice as part of its service suite.
The firm’s investment approach emphasizes long-term, asset-allocation portfolios grounded in Modern Portfolio Theory, with global diversification across equities, fixed income, mutual funds, and ETFs. Portfolio management emphasizes downside protection and strategic, case-by-case adjustments rather than systematic rebalancing, and the firm manages both discretionary and non-discretionary accounts while using fundamental analysis to inform selections.
Distinctive operational features include ongoing implementation and plan-support services following delivery of financial plans and a relatively concentrated client roster, which can result in more individualized attention. The firm does not accept custody of client assets or vote proxies on clients’ behalf, generally recommends a major custodian (including receiving certain support services from that custodian), and operates as a long-standing independent practice with a CFP‑certified principal.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Income planning
General tax planning
Wealth management
Fee options
$100,000 - $249,999: 1.5% $250,000 - $499,999: 1.25% $500,000 - $999,999: 1.0% $1,000,000 - $4,999,999: 0.75% $5,000,000+: 0.60%
$150 per hour, with a three-hour minimum
Account minimum: $100,000 Fee-only: Hourly fees of $150 with a three-hour minimum for financial planning services
Main office location
Coastal Financial Planning, Inc.
640 George Washington Highway, Suite 103; Building B
Lincoln RI 02865-3935, United States
Number of offices
1
Most active in
Coastal Financial Planning, Inc. has reported serving >5 clients in these states in the last 12 months.
Massachusetts · Rhode Island
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:
-
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.
-
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.
-
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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