Kirkland, WA Office

South Cove Financial serves primarily West Coast individuals and high‑net‑worth families and provides comprehensive financial planning and ongoing investment management for individual, retirement, trust, and private-entity accounts. The firm offers both discretionary and non‑discretionary portfolio management and supplements wealth management with limited-scope consulting and third‑party asset management on request.

The firm manages portfolios in‑house on a fiduciary basis and uses fundamental and technical analysis to construct strategies across public and private markets, including passive/index exposures, actively managed mutual funds and ETFs, illiquid alternative investments, and pre‑IPO positions. Portfolios are tailored to clients’ goals, time horizons, and risk tolerance and may employ long and short exposures and a variety of fixed income and equity instruments as appropriate.

Compared with many peers, South Cove explicitly integrates insurance planning into its advisory services and may recommend annuities and insurance solutions on a commissioned or non‑commissioned basis, with non‑commissioned insurance planning offered at no additional cost. The firm also does not outsource portfolio management to third‑party managers, preferring to manage client assets internally and to include less common holdings such as illiquid alternatives and pre‑IPO investments in client strategies.