Coastal Wealth Advisors, LLC

Coastal Wealth Advisors manages approximately $106.6 million in discretionary client assets and provides investment management and comprehensive financial planning to individuals (including high‑net‑worth) as well as business owners and other organizations. Its services include ongoing portfolio management, personal and business financial planning, and retirement-plan consulting, including ERISA 3(21) advisory work for qualified plans.

The firm implements a strategic, core‑and‑satellite asset allocation that mixes passive ETFs, actively managed mutual funds, individual equities, structured notes, and fixed income, and it tailors recommendations based on each client’s objectives, risk tolerance, and constraints. Coastal Wealth typically aggregates household assets to achieve fee breakpoints by applying a single fee rate to household assets rather than using a tiered schedule, and it conducts reviews and billing through its chosen custodian relationships.

Distinctive elements disclosed in the brochure include a recurring Quarterly Business Planning engagement for business owners and a white‑labeled Pooled Employer Plan offered through NestEggs, in which the firm acts as a 3(21) fiduciary while NestEggs provides 3(38) investment management and 3(16) administrative services (the PEP is not offered to New York residents). The firm also notes a material change—an application for SEC registration—and discloses that its principals are licensed insurance agents who may receive commissions when insurance products are recommended.