Wealth Management
Investment Management Built Around Your Retirement
The Difference
Not All Investment Management Is Built the Same Way
A Typical Commission-Based Model
Paid commissions on products they recommend
In-house funds with higher internal fees
Generic model portfolios built for the masses
You don't always know what you're paying
Assets held at proprietary platforms
Coast Wealth Management
Fee-based, fiduciary, paid by you, not by product companies
Open-architecture, we pick what's right for you
Portfolios built around your income timeline and risk number
Full fee transparency, always
Your assets held at Charles Schwab or Altruist, names you know
How We Manage Money
Our Approach to Managing Your Investments
We don't manage money the same way for a 45-year-old building wealth as we do for a 67-year-old drawing income. The strategy has to match where you are.
We Start With Your Risk Number
Before we invest a dollar, we measure your actual risk tolerance. You get a score. Your portfolio gets matched to it. No guessing.
Built Around Retirement Income
If you're near or in retirement, your portfolio needs to generate income without getting destroyed in a down market. We build around that reality, not around a generic growth model.
Your Money Stays at Schwab or Altruist
We never hold your money. Your assets are custodied at Charles Schwab or Altruist, two of the most reputable independent custodians in the country. You have 24/7 direct access to your accounts.
Our Core Philosophy
How We Structure Retirement Portfolios: The Bucket Approach
Most people near retirement are either too aggressive or too conservative, and they don't know which until markets move. We solve that with a simple structure most clients immediately understand.
Bucket 1
Cash & Short-Term: Safety
Covers your near-term living expenses. Protected from market swings. This is your peace-of-mind money, the buffer that means you never have to sell investments in a downturn just to pay bills.
Bucket 2
Protected Growth & Income
Conservative, income-generating positions designed to grow with some market participation while limiting downside. Refills Bucket 1 over time.
Bucket 3
Long-Term Growth
This bucket has time to ride out market cycles. Invested in equities and growth positions for the long run, because not all of your money needs to be conservative when you retire.
The result: you have income you can count on, protection against a bad sequence of returns, and growth that keeps pace with inflation over time.
Where Your Money Is Held
Your Investments Are Held at Names You Know
Charles Schwab
One of the most trusted names in independent investing. Schwab holds trillions in client assets and offers industry-leading security, reporting, and 24/7 account access.
Altruist
A modern custodian built for independent advisors. Altruist offers a clean, mobile-friendly interface, real-time reporting, and institutional-grade infrastructure at lower cost, which means more of your money stays invested.
We are not affiliated with or compensated by either custodian. We use them because they are the best options for our clients.
Fees
What You Pay, and What You Don't
We charge an annual advisory fee based on assets under management. That's it. No commissions. No hidden transaction fees on our end. No incentive to move your money or recommend a product that doesn't fit. Our fee is transparent, disclosed in writing, and reviewed with you before you sign anything.
For a personalized fee quote, bring it up in your first call, we'll give you a straight answer.
Get a Second Opinion on Your Portfolio, At No Cost
Bring us your statements. We'll tell you honestly what we see, where you're positioned well, where you have risk you may not know about, and what we'd do differently. No obligation.
In-person in Myrtle Beach or virtually, we serve clients across the country.
