Dunnellon, FL Office

Coats Financial Planning works with individuals, trusts, estates and small businesses, serving both high‑net‑worth and non‑HNW households. The firm provides comprehensive, fee‑only financial planning and investment management services that include cash‑flow and retirement planning, tax and estate considerations, education funding, and investment implementation.

The firm emphasizes asset allocation and a long‑term, buy‑and‑hold investment philosophy, typically using passively managed index mutual funds and exchange‑traded funds as core holdings while adding individual stocks or bonds when appropriate. Accounts are reviewed once or twice a year rather than monitored continuously, and the firm does not generally exercise broad discretionary trading authority, consulting clients before placing trades except where a limited trading authorization is in place.

Coats is notable among peers for not using a percentage‑of‑assets‑under‑management fee model; instead it charges an ongoing flat‑fee retainer derived from a documented complexity assessment. The firm is strictly fee‑only (no commissions or referral fees), maintains advisor relationships with institutional custodians to facilitate trading and account access, and requires all advisors to adhere to NAPFA membership and its associated compliance standards.