Johns Island, SC Office

Coastal Wealth Advisors provides personalized financial planning and discretionary investment management to individuals, high-net-worth clients, business owners, qualified retirement plans and other organizations. Services listed in the brochure include comprehensive financial planning, portfolio management, and retirement-plan consulting, and the firm delivers ERISA 3(21) advisory services through a white‑labeled pooled employer plan operated in partnership with NestEggs.

The firm follows a strategic asset-allocation, core-and-satellite approach that combines passive ETFs, actively managed mutual funds, individual equities and fixed income to build globally diversified portfolios, and investment decisions rely on a mix of technical, fundamental and cyclical analysis. Portfolios are tailored to client objectives and constraints, managed on a discretionary basis, and household accounts are aggregated when applying firm-level fee breakpoints with monthly billing procedures.

What is atypical for a firm of this size is the explicit integration of business-owner services — including a recurring quarterly business-planning engagement and offerings such as cost segregation, business valuation and succession planning — alongside individual financial planning. The brochure also discloses that firm principals are licensed to sell insurance and may receive commissions for insurance sales (a potential conflict of interest), and it notes certain operational limits in the pooled plan product (for example, it is not offered to New York residents).