Coastal Financial Advisors

 

Personal Services

Clients come to us from all walks of life with many different financially related questions. We work with you and find solutions for you to achieve your many life goals. Some of our services include: 

Goal Planning [ info]
Cash Flow and Debt Management
Income Tax Management [info]
Investment Planning and Asset Management [info]
Estate Planning info]
Risk Assessment and Asset Protection Planning [info]
Retirement Planning [info]
 
 


Goal Planning [top]
We help you define and set attainable goals for the near-term and for the future, to build your upside, and protect your downside. Individual goals might include real estate ownership, debt reduction, education savings, retirement planning, business start-up, financial independence, capital preservation and charitable giving. We help you identify what you want to accomplish this year and where you want to be 5 years from now.

We provide both a computerized and non-computerized organization system that requires minimal effort to maintain and are designed to maximize tax savings, file organization, and monitor cash flow. This system is available to clients at no extra charge.


Income Tax Management [top]
Tax Planning
Tax planning should be proactive.  It is more than finding tax deductible items on your income tax return.  We will teach you techniques to reduce your taxes, keeping in mind that tax savings each year is an easy way to help offset our fee.  Tax-planning concepts are considered during the year to minimize taxes and project results so there won't be any surprises when your return is filed.

Tax Preparation
We prepare your income tax returns and provide you with professional advice year round.

Tax Review
Upon initial consultation, we will review your previously filed returns, look for missed deductions and file amended returns further reducing your tax liability.

Audit Representation
In the event of an audit, we will have a qualified enrolled agent, CPA or tax attorney handle the audit at no additional charge.


Investment Planning and Asset Management [top]
Are your present investments appropriate for your risk tolerance? Tax bracket? How about long term goals? Is your retirement plan - IRA, Keogh, 401K, 403B invested correctly? Are you investing tax efficiently? We can show you how to balance your investments to hedge against extreme economic cycles. We work with your investment horizon to make the appropriate diversified portfolio that can enable you to reduce risk while enhancing your return on your investments.

We discuss your investments and help you understand what they are and how they are being used.

We typically use well managed mutual funds, index funds and ETFs.  Individualization is key to achieving your goals.  We first discuss your goals and requirements and then plan your investments based on your needs.  We will show you how a diversified portfolio is used to guard your assets against market downturns. We will design an individualized portfolio to help you reach your financial goals and objectives. We regularly analyze and monitor your investments assuring you that you are getting the full potential of the financial markets. Reviews of your investment portfolio are undertaken with tax consequences always in mind.

Risk Assessment and Asset Protection Planning [top]
Risk is something everyone participates in and we work to minimize it.  Your insurance is supposed to protect your assets if an unplanned event occurs.  Planning for and having good protection is essential.  We educate you to make the right choices regarding life, health, disability, long-term care, automobile, and homeowners insurance. We coordinate this policy coverage with your employee benefits. We will review your insurance needs, current coverage, and deductibles as well as examine policies before you purchase them. Additionally, we will review your policies to make sure you were not sold an inappropriate policy.

Retirement Planning [top]
Are you considering retiring and asking yourself can you afford it? Are you retired and wondering if you have enough assets to cover your lifestyle? Careful consideration should be given to 401K rollovers and IRS rollovers.  Should a ROTH be considered or not?  We work with you and help you understand the lifestyle change going into retirement. Likewise, for those in retirement, we work with you to find solutions to reduce your expenses while improving your retirement years.

Estate Planning [top]
We help you think through how you want your loved ones taken care of and your assets divided, with emphasis on reducing estate taxes and probate costs. As needed, we provide consulting, advisory and referral services for situations requiring pertinent legal documents such as wills, durable powers of attorney, and trusts.




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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