Business Details
29 Years
experience
Trusted Financial Advisers in Lincoln, RI
Founded in 1997, Coastal Financial Planning has established itself as a trusted leader in fee-only financial advisory services. Our team of certified professionals brings decades of combined experience in retirement planning, investment management, and corporate financial solutions. We prioritize client needs through personalized strategies that align with individual asset levels, risk tolerance, and long-term goals. Our commitment to ethical practices is demonstrated through our Registered Investment Advisor status and Certified Financial Planner (CFP) credentials.We serve clients from two Rhode Island locations, offering expertise in 401(k) plan implementation, tax-efficient asset management, and fiduciary compliance. With a proven track record of media recognition and community involvement, we maintain absolute confidentiality while delivering objective financial guidance tailored to each client's unique circumstances.
Services
Financial Planning
Investment Management
401(k) Planning
Retirement Planning
Tax Efficient Management
Corporate Financial Services
Portfolio Management
Hourly Consultations
Details
- Year established: 1997
Highlights and features
- Certified Financial Planners with 25+ years of industry experience
- Fee-only approach eliminates commission bias in financial recommendations
- ERISA-compliant 401(k) plan implementation for businesses
- Personalized retirement strategies for clients with $100k+ investable assets
- Recognized experts quoted in The Wall Street Journal and local publications
Associations and certifications
- CFP Board
- Registered Investment Advisor
Services
Financial Planning
We create customized financial plans based on client goals, risk tolerance, and time horizons. Our CFP professionals develop strategies for asset accumulation and retirement readiness while maintaining strict confidentiality. Clients receive ongoing plan updates to adapt to changing life circumstances.
Investment Management
Our active asset management approach uses diversified no-load financial products to maximize returns. We offer tiered pricing with 1.0% annual fees for $500k-$999k accounts and 0.75% for $1M+ portfolios. Quarterly billing ensures transparent cost management.
401(k) Planning
We implement ERISA-compliant 401(k) solutions for businesses with $1M-$99M in assets. Our services include plan analysis, fiduciary compliance, and employee education about investment options. We provide access to 2,000+ funds from 60 providers for customized retirement solutions.
Corporate Financial Services
We assist corporations with retirement plan compliance, workforce downsizing transitions, and financial education programs. Our ERISA expertise helps businesses meet fiduciary responsibilities while providing employees with clear retirement planning guidance and rollover options.
Tax Efficient Management
Our strategies optimize after-tax returns for non-retirement assets while considering pension distribution tax implications. We integrate tax efficiency into comprehensive financial plans to maximize clients' liquidation of retirement assets through strategic timing and vehicle selection.
People
Angela M. Thomson
President and CEO
CFP-certified financial planner with 25+ years experience. Bryant College graduate and former CFP program instructor. Recognized by The Wall Street Journal and Providence Journal. Active in community organizations and financial education initiatives.
Eric Thomson
Managing Partner
CHSA-certified investment advisor with University of Rhode Island sociology background. Former student-athlete with expertise in organizational management. Focuses on integrating financial planning principles with practical investment strategies for client portfolios.
Questions
What financial planning services do you offer?
We provide retirement planning, investment management, 401(k) solutions, and tax-efficient asset strategies tailored to individual and corporate clients with $100k+ investable assets.
Are you a fee-only financial advisor?
Yes, we operate as a fee-only firm with no commission-based products, ensuring objective financial recommendations aligned with client interests rather than sales incentives.
What are your investment management fees?
Our fees range from 0.75% to 1.0% annually based on account size, with discounted rates for portfolios exceeding $1,000,000 in assets under management.
Do you work with corporate clients?
Yes, we specialize in ERISA-compliant 401(k) plan implementation, corporate downsizing transitions, and customized financial education programs for businesses of all sizes.
What qualifications do your advisors hold?
Our team includes Certified Financial Planners (CFP) and Certified Human Services Administrators (CHSA) with decades of combined experience in investment advisory services and retirement planning.
