Coastal Financial Advisors, Inc. is a 'fee-only' financial advisory firm that provides comprehensive financial advisory and investment management services. Coastal Financial Advisors, Inc. does not participate in any manner in brokerage, insurance or other financial product commissions.

What does 'Fee-Only' mean?
This term refers to the method of compensation for the financial planner. 'Fee-Only' planners are compensated solely by fees paid by their clients and do not accept commissions or compensation from any other source. 'Fee-Only' planners believe there is a significant 'conflict of interest' if an advisor stands to gain financially from the purchase of any product he or she recommends to the client.

What other forms of compensation are used by financial planners?
Some planners are compensated entirely by commissions from the providers of products recommended and sold. Others referred to as 'Fee-based' or 'Fee-offset' , charge both a fee and receive commissions from selling products. These compensation methods have embedded conflict of interest.