Not all financial advice is created equal. Know what stands between you and a truly independent recommendation.
Commission-Driven Wall Street Brokers
Product sales and hidden commissions that can shape what gets recommended to you.
Proprietary product lineups favored over open-market alternatives.
Held only to a suitability standard, not a best-interest standard.
Coast Wealth Management
Fiduciary oath: legally and ethically bound to act in your best interest, always.
Fee-aligned advisory with open-architecture portfolios.
Independent guidance from a team that knows the Charleston area.
Core Wealth Management Pillars
Comprehensive, fiduciary planning designed for retirees and professionals across the Charleston area.
Retirement Income & Distribution Planning
Multi-bucket cash flow strategies, inflation defense, and volatility buffers.
Strategic Tax Optimization & Roth Conversions
Forward-looking bracket management that leverages South Carolina senior tax deductions.
401(k), IRA & Executive Wealth Transitions
Direct trustee-to-trustee rollovers and tax-efficient distributions.
Coastal Legacy, Trust & Estate Coordination
Preserving coastal real estate and coordinating multi-generational wealth transfer.
Charleston Lifestyle & Relocation Spotlight
From historic downtown Charleston to Mount Pleasant, James Island, and the beaches of Folly and Sullivan's Island, we build financial strategies for the way you've chosen to live in the Lowcountry.
Many of our clients are relocating to Charleston for retirement or a change of pace. Our team helps you make that transition financially sound from day one.
South Carolina Residency Tax Benefits
Zero South Carolina state tax on Social Security benefits.
$15,000 retirement income deduction for seniors age 65 and older.
Answers to the questions Charleston residents ask most before choosing a financial advisor.
Why should Charleston residents work with an independent fiduciary advisor?
An independent fiduciary is legally required to act in your best interest, not tied to a parent company's products or sales quotas. That means the strategies you receive are chosen specifically for your goals, not for what a firm needs to sell.
Does South Carolina tax Social Security or pension income in Charleston?
No, South Carolina does not tax Social Security benefits. Residents age 65 and older also qualify for a $15,000 retirement income deduction, and a primary residence can qualify for a favorable 4% property tax assessment.
How does Coast Wealth Management protect and custody client assets?
Your assets are held with independent, institutional custodians, Charles Schwab and Altruist. This means your investments are never held directly by our firm, giving you an added layer of security and transparency over your accounts.
What is covered during a complimentary retirement review?
We review your current portfolio, income sources, and goals, then stress-test your retirement plan against inflation, market volatility, and tax exposure. You'll leave with clear, actionable recommendations, with no obligation to become a client.
Navigate Your Retirement in Charleston With Confidence
Enjoy the Lowcountry lifestyle knowing your wealth is managed under a strict fiduciary standard.
