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Personal Financial Planning
For Individuals

We Take a Holistic Approach to Your Plan

Achieving your financial goals takes patience and planning to create the kind of possibilities that money can buy. Whether you’re saving for a home, college education or investing for retirement, having a trusted financial planner can support and guide you to make solid decisions that turn life goals into reality.

Holistic financial planning is integral to everything we do at Coastal Wealth. Using innovative technology paired with a hands-on people-first approach, we make your money work harder and smarter for you.

Retirement Solutions

Retirement may seem far away, but it's never too early to determine how much you'll need and to begin the process of saving. Making smart financial decisions now can help impact how you live in retirement. We can assist you along the way.

Annuities and IRAs

  • Annuities Overview
  • Deferred Fixed Annuities Guaranteed Interest
  • Income Annuities Guaranteed Income
  • Variable Annuities Market Exposure
  • Fixed Index Annuity Market Protection
  • Individual Retirement Accounts Tax-advantaged Savings


Protection

  • Whole Life Insurance
  • Long Term Care Insurance LTC Expenses

Life Insurance

Life insurance can be the foundation of your financial security and can provide comfort and stability for your family. The purpose of life insurance is to help provide your loved ones with financial protection after you die, in exchange for the premiums you pay to your insurer during your lifetime.

Some life insurance policies can provide you with financial protection for the short term, while others accumulate cash value, offering a living benefit that can be used for supplemental retirement income, funding for a child's education, or cash for emergencies*.

Estate & Tax Planning Strategies

We all have goals we want to meet during our lifetime. The education of our children, a comfortable and financially secure retirement, and perhaps a new or second home.

The first step of estate planning is to help you plan for – and realize – these lifetime goals. It addresses your legal and financial concerns, taking into account your goals and tax considerations. It also takes advantage of existing laws and funding vehicles to save you on taxes and help manage your property in an efficient and profitable way during your lifetime. Here are some of the more significant ways estate planning can help you make certain your family will get as much of your estate as is legally possible:

  • Minimize Estate Taxes
  • Liquidity to Pay Estate Taxes
  • Protect Your Family’s Income
  • Controls Distribution of Your Estate

Education Planning

For most families, paying for college is a major commitment that involves piecing together a combination of savings tools, including 529 plans, taxable investments, financial aid and, in some cases, even permanent life insurance

Together, We’ll Approach:

Retirement Solutions

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Life Insurance

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Estate & Tax Planning

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Education Planning

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Let’s Take a Look at Your Entire Wealth Picture

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* Access to cash values through borrowing or partial surrenders will reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

**Any discussion of taxes is for general information purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters.