Coastal Financial Planning is a registered investment advisor based in Lincoln, Rhode Island, owned and operated by Angela Thomson. The firm provides comprehensive financial planning and active investment management services to individuals, families, and small businesses. Coastal Financial Planning focuses on building customized investment strategies using Modern Portfolio Theory, stocks, mutual funds, and exchange-traded funds, while emphasizing downside protection and long-term goals. In addition to managing portfolios, the firm offers comprehensive financial planning covering retirement, tax strategies, risk management, and estate planning. Services are provided on a fee-only basis, meaning the firm is compensated directly by clients and does not earn commissions from product sales.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.50% |
| $250K - $500K | 1.25% |
| $500K - $1000K | 1.00% |
| $1.0M - $5.0M | 0.75% |
| $5M+ | 0.60% |
Fees are billed quarterly in arrears. Fees may be lower for legacy clients and are negotiable depending on circumstances.