Atlantic Coast Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides discretionary investment management and financial consulting to individuals, high‑net‑worth clients, small businesses, trusts and estates, managing roughly $59.7 million in client assets across 248 client relationships. Services include customized portfolio construction using low‑cost mutual funds, ETFs, fixed income and equities, ongoing supervision, and retirement account advice including ERISA/IRA considerations.
Its investment approach combines fundamental and technical analysis with a primarily long‑term orientation while permitting shorter‑term trades for rebalancing, tax or client liquidity needs; portfolios may retain legacy positions for tax or fit reasons. The firm also offers hourly financial consulting and generally directs custody and execution to a recommended qualified custodian on an institutional platform.
Notable distinctions include an unusually high client count per advisor — more than 200 clients per advisor — a level that is uncommon among peers and may inform expectations about contact frequency and service delivery. The firm’s principal maintains a separate insurance practice (about 10% of time) and the firm receives institutional‑platform benefits from its recommended custodian; both arrangements are disclosed as potential conflicts of interest for clients to consider.
Client services
Expertise
Fee options
$0 - $999,999: 1.25% $1,000,000 - $2,999,999: 1.00% $3,000,000+: 0.9%
Up to $200 per hour for financial consulting services; negotiable based on service complexity.
Fee-only: Investment management fees based on tiered AUM schedule as above; Financial consulting offered at hourly rate up to $200/hour, negotiable.
Main office
69 York St, Suite 3
Kennebunk ME 04043
Advisors at this office
1
Most active in
Florida · Maine · Massachusetts · New Hampshire
Also doing business as
Atlantic Coast Financial · Jennifer L. Arps, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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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