Redwood Coast Financial Partners

Redwood Coast Financial Partners provides ongoing portfolio management to individuals (including high‑net‑worth individuals), pension and profit‑sharing plans, and corporations. The firm creates an Investment Policy Statement for each client and manages portfolios composed primarily of mutual funds, ETFs (including precious‑metal ETFs), equities, fixed income and options, and it also sponsors a wrap‑fee program that it manages under the same policies as its non‑wrap accounts.

RCFP states its investment approach is grounded in modern portfolio theory and long‑term trading, with documented risk tolerance and time horizon used to guide recommendations and at least monthly account reviews performed by firm leadership. Clients receive quarterly account reporting through the custodian, and the firm reports that nearly all of its reported assets are managed on a non‑discretionary basis, meaning clients generally retain authority over trade decisions.

Noteworthy features include an unusually high client load relative to its two‑advisor structure (roughly 987 clients total), sponsorship of a wrap fee program, and the firm’s entire reported AUM classified as non‑discretionary, all of which are atypical for similarly supported firms. The brochure also discloses that the firm requires use of Charles Schwab Advisor Services for custody, does not aggregate client trades, and that a firm principal is separately licensed to sell insurance products — a disclosed potential conflict of interest.