T.R.U.E. Coastal Capital, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
T.R.U.E. Coastal Capital advises individual clients, including high‑net‑worth individuals, offering discretionary and non‑discretionary portfolio management alongside tiered financial planning and consultation services (hourly, basic, and advanced). The firm reports managing about $124.1 million for roughly 156 client relationships and provides ongoing monitoring and account reviews at least annually.
The firm constructs portfolios to match client objectives and risk tolerance, typically using mutual funds and ETFs while also recommending equities, bonds, and variable annuities as appropriate, and employs fundamental, technical, and charting analysis in its research. It also provides a held‑away account service to manage employer retirement plan assets (401(k), 403(b), 457) via an order‑management platform (the brochure references a Pontera link) and asks clients to maintain the platform connection to enable ongoing rebalancing.
Several firm principals are licensed independent insurance agents who may receive commission‑based compensation for insurance products in addition to advisory fees, and a principal is also a registered representative of a broker‑dealer (Leigh, Baldwin & Co.); the brochure discloses these dual roles and related conflicts of interest. The firm’s explicit disclosure of insurance and broker‑dealer activities, together with its held‑away platform approach and written rollover guidance, are features that distinguish it from many peers.
Client services
Expertise
Occupation focus
Fee options
Basic financial planning fees range from $1,750 to $2,750 depending on net worth; Advanced planning fees range from $2,750 to $25,000+ depending on net worth.
$0 - $500,000: 1.15% $500,001 - $1,000,000: 1.00% $1,000,001+: 0.90%
Commission-based compensation for insurance products sold by licensed agents affiliated with the firm, separate from advisory fees.
Up to $400 per hour with a minimum charge of 1 hour; charges in 15-minute increments thereafter.
Account minimum: $500,000
Main office
21 East York Street
Savannah GA 31401
Advisors at this office
2
Most active in
Texas
Also doing business as
Coastal Capital Management, LLC · T.R.U.E Coastal Capital, LLC · T.R.U.E. Coastal Capital, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Samuel H
CFA®, Series 66
Savannah, GA
T.R.U.E. Coastal Capital, LLC
Samuel Hubbard is a CFA® charterholder and Series 66 licensee with 13 years of industry experience. He has worked at Coastal Forensics and Litigation, LLC and T.R.U.E. Coastal Capital, LLC since 2015. In addition to his advisory role, he serves as managing principal of Coastal Divorce Advisors, LLC, providing divorce financial planning, expert witness testimony, and settlement evaluation services. T.R.U.E. Coastal Capital advises individual clients, including high-net-worth individuals, with discretionary and non-discretionary portfolio management and tiered financial planning services. The firm employs fundamental, technical, and charting analysis to construct portfolios aligned with client objectives and risk tolerance, and offers a held-away account service to manage employer retirement plan assets.
Michael R
Series 66
Savannah, GA
T.R.U.E. Coastal Capital, LLC
Michael Ross is a financial advisor at T.R.U.E. Coastal Capital, LLC with 15 years of industry experience. He holds a Series 66 designation and has previously worked at Mutual Advisors, LLC, Mutual Securities, Inc., and Northlanding Financial Partners, LLC. In addition to his advisory role, Ross operates as an independent insurance agent in Savannah, GA. T.R.U.E. Coastal Capital serves individual and high-net-worth clients by providing discretionary and non-discretionary portfolio management alongside tiered financial planning services. The firm manages approximately $124 million across 156 client relationships, using a mix of mutual funds, ETFs, equities, bonds, and variable annuities with research methods including fundamental, technical, and charting analysis.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")