Coastal Financial Planning, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
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
640 George Washington Highway, Suite 103; Building B
Lincoln RI 02865-3935
Advisors at this office
1
Most active in
Massachusetts · Rhode Island
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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