T.R.U.E. Coastal Capital, LLC

T.R.U.E. Coastal Capital advises individual clients, including high‑net‑worth individuals, offering discretionary and non‑discretionary portfolio management alongside tiered financial planning and consultation services (hourly, basic, and advanced). The firm reports managing about $124.1 million for roughly 156 client relationships and provides ongoing monitoring and account reviews at least annually.

The firm constructs portfolios to match client objectives and risk tolerance, typically using mutual funds and ETFs while also recommending equities, bonds, and variable annuities as appropriate, and employs fundamental, technical, and charting analysis in its research. It also provides a held‑away account service to manage employer retirement plan assets (401(k), 403(b), 457) via an order‑management platform (the brochure references a Pontera link) and asks clients to maintain the platform connection to enable ongoing rebalancing.

Several firm principals are licensed independent insurance agents who may receive commission‑based compensation for insurance products in addition to advisory fees, and a principal is also a registered representative of a broker‑dealer (Leigh, Baldwin & Co.); the brochure discloses these dual roles and related conflicts of interest. The firm’s explicit disclosure of insurance and broker‑dealer activities, together with its held‑away platform approach and written rollover guidance, are features that distinguish it from many peers.