Coastal Financial Advisors


Business Planning

If you are like most business owners we have worked with you may not have had the time to efficiently plan for some of your business’ basic financial needs. We can help you grow your business and meet your personal financial goals by establishing a healthy balance between your personal and professional needs.

Building your business to its present level has been a significant achievement, and undoubtedly a great source of pride. Keeping it going and growing for years to come can represent a lasting legacy for your employees, your customers, and your family. There are many facets to consider, and there is no time like the present to begin.

Business Planning
- Employee Benefits Planning
- Income Tax Planning
Financial Strategies
Business Continuation Planning
Estate Planning

Business Planning [top]
Whether you are looking to start a business, buy a business or are looking to sell your business, we can help you accomplish your goal.  We help you understand the different types of business structures and which one may be best for you.  We discuss start-up costs and can help you budget to accomplish your goals.  We can explain the differences between a start-up from scratch and purchasing a franchise. 

Employee Benefits Planning [top]
If your business is looking to provide employee benefits we can provide assistance and review of your objectives and make suggestions to protect your business revenues.
Providing an affordable Employee Benefits' package continues to be one of the greatest challenges for today's employers. Employee Benefits are the largest component of payroll added costs. We can assist in your evaluation of different benefit packages to achieve the best pricing structure and advice on implementing such options.   These options include:

  • Retirement Plans including Pensions, 401(k) plans, 403(b), SEP, SIMPLE 
  • Group Life, Health, Disability

Where possible, these plans allow for cost savings through tax deductible contributions.

Income Tax Planning
Your business structure will determine what level of taxes you pay.  We can help you sort through business expenses and the likelihood of a tax deduction.  If you are in need of bookkeeping services, just ask and we can support you. 

Financial Strategies [top]
If you need a business loan for start-up, business purchase or business expansion, we can help you find a fair loan that will not be a burden.  There are many opportunities for you and choosing the right one can make all the difference. 

Additionally, when short term situations call for better cash management, we will structure portfolios of short term corporate and government notes and bonds. These can be purchased with maturities as short as seven days and as long as one year. This strategy keeps your cash liquid while generating the highest yields available.

Business Continuation Planning [top]
In the event of an untimely death or disability, will your business continue unscathed?  Do you have a business continuation plan?  We can help you prepare one which includes a business valuation, if appropriate and funding options, including life and disability insurance.

Estate Planning [top]
As with your personal life, your business requires a plan in the event of an untimely death or disability.  Ensuring your estate plan is current and appropriate is as important as the day to day activity of your business.  We can help in discussing opportunities and what may be appropriate in your case.

For more information on Coastal Financial Advisors and the services we provide,
please contact us directly by calling 732-686-2330, or by filling out our online form.

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Coastal Financial Advisors, 503 Casino Drive - Farmingdale NJ 07727 - Phone (732) 683-2330

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