Niche A
NJBIA Business Owners
Helping New Jersey business owners coordinate corporate cash reserves, implement defined-benefit pension plans to slash tax brackets, and optimize transition valuations.
Explore PracticeThe Anti-AUM Approach to Wealth
True Fiduciary
Wealth Management.
One Flat Fee.
No Conflicts.
Traditional wealth managers penalize your growth by charging you more simply because you have more. We break the mold. Coastal Financial Advisors provides comprehensive wealth orchestration, investment management, and direct tax preparation under a transparent flat-fee model structured completely around complexity, not portfolio size.
Fee-OnlyFiduciaryTax-Integrated
AUM Penalty Calculator
On a $5M Portfolio
The Cost of "Standard" Advice
Traditional AUM
$50,000/yr
1.00% on $5M AUM
The Coastal Flat Fee
$12,500/yr
Premium Complexity Tier
Compounding Capital Retained
$37,500/year
Nationally Recognized Fiduciary & Tax Affiliations
Ed Slott's Elite IRA Advisor Group
NAPFA
National Association of Personal Financial Advisors
Fee-Only Network Member
National Association of Tax Professionals
NATP
National Association of Enrolled Agents
NAEA
National Society of Tax Professionals
NSTP
The Wealth Drags
Exposing the Hidden Fees
Eroding Modern Wealth
Traditional brokerage incentives are fundamentally misaligned with high-net-worth growth.
01 / 03
The AUM Asset Penalty
As you save, invest, and compound, your AUM advisor's bill scales automatically—even if your actual financial complexity remains identical. You pay a tax on your own success.
02 / 03
Insurance & Proprietary Product Traps
Commission-paid hybrid brokers often direct corporate portfolios and personal liquid cash into costly, illiquid annuities or expensive proprietary insurance products carrying hidden kickbacks.
03 / 03
The Real Estate Liquidity Conflict
If you want to liquidate assets to pay off a mortgage or fund a physical business expansion, an AUM advisor directly loses revenue—subconsciously steering you away from optimal wealth maneuvers.
The Proprietary Solution
The Coastal Wealth
Navigation System™
We transformed complex financial advisory into a structured, scalable, repeatable institutional asset.
I
Phase I
Integrated Analysis
Simultaneous audit of overall investment allocation and deep tax liabilities.
II
Phase II
System Optimization
Removing expensive product traps, high-cost mutual funds, and structural leakage.
III
Phase III
Integrated Tax Execution
Direct filing of personal and business returns coordinated with your global investment map.
IV
Phase IV
Continuous Shielding
Quarterly rebalancing, proactive Roth conversions, and dynamic estate planning updates.
Target Verticals
Specialized Practices.
Institutional Depth.
Niche B
High-Asset Divorce Mediations
Providing neutral financial expertise to calculate split liabilities, divide complex retirement accounts, and protect net worth pre- and post-divorce.
Explore PracticeNiche C
High-Net-Worth Multi-Family Office
For families with $3M – $15M who need integrated tax prep, trust maintenance, charitable giving, and unified estate structures under one flat fee.
Explore PracticeTransparent Flat Fees
A Single Flat Fee.
Zero Hidden Fees.
Priced around complexity—never around how much you've saved.
Core Wealth Planning Plan
Perfect for individuals and business professionals preparing for transition. Includes wealth navigation, retirement optimization, and integrated tax filing.
- Comprehensive financial plan
- Investment portfolio management
- Personal tax return preparation
- Retirement income optimization
- Quarterly review meetings
Most Selected
Enterprise & Business Complexity Plan
For business owners and multi-family clients. Includes business valuation consultation, high-deduction retirement plan creation, corporate tax coordination, and estate mapping.
- Everything in Core, plus:
- Business valuation consultation
- Defined Benefit / DC plan design
- Corporate & personal tax coordination
- Estate & trust mapping
- Dedicated multi-advisor team