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Overview

Services

Advisor Services

  • Pension Consulting
    • -401k
    • -403b
    • -457
    • -Other Pension Consulting
  • Portfolio Management
    • -Individuals and/or Small Businesses

Funds

Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
Coastal Financial Planning, Inc. 21 years, 9 months Mar 1997 - Present

Designations & Memberships

  • Financial Planning Association
    Membership
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • National Association of Personal Financial Advisors
    Membership
    National Association of Personal Financial Advisors
    NAPFA, the National Association of Personal Financial Advisors, is the nation’s leading organization dedicated to the advancement of Fee-Only comprehensive financial planning. Consumers and the media look to NAPFA for access to financial advisors who meet the highest standards for professional competency, comprehensive financial planning and Fee-Only compensation.
  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Angela Thomson

Real Estate in your IRA
Published 2013-02-12 03:36:24
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    How much will I earn on my 401k investments? How do I use a retirement calculator?
    Hi Monique, This is a loaded questions. First, what percentage of dollar amount our you contirbuted each month. Second, what type of risk tolerance do you have? The less you contribute the longer you have to save. The more conservative you are, the lower the return, thus the need for a longer in...  (more)
    Answered Jul 2012
    I have a single 401k but I just reviewed the fees. I believe the rates are high. I heard a sep-Ira might be a better choice. Can I have both open?
    Hi Fred, The solo-401(k) is generally a good idea. It sounds like you have a problem with the provider, not the plan. If you have had your plan for a year, it is not time to shop it around. There are many adviser's with low fee structures, and there are certainly a significant number of funds wi...  (more)
    Answered Nov 2012
    I have about $20,000 after tax $ in my 401k. I have about $10000 I am paying on a PLUS Loan at about 7%. Can I withdraw the $10000 from my 401 K to save paying the higher interest rate on my Parent Loans? Would my 401k have a penalty or growth suspension?
    Hi,You have another alternative which I would suggest you look into. You can borrow up to 50% of your 401(k) assets, up to a limit, and repay it back to yourself over 4 years. The pluses here are that when you pay yourself back you are also paying yourself interest on the loan amount. The downsi...  (more)
    Answered Nov 2012
    What happened to Hartford Life's plan to get out of managing retirement plans? Should we be looking for a new company to manage our 401k?
    Hartford Life is exiting the retirement business, but is actively looking for a buyer for this segment of the business.This is a great time to look into a new business partner. With all the ERISA law changes, you should be looking for someone with not only low fees, but a significant fund selectio...  (more)
    Answered Aug 2012
    Is the 403b plan going extinct?
    In order to make an accurate analysis of .85% as an investment advisors fee, it would help to know the total value of assets in the plan, as well as the number of employees. With this information you can attain a real number, as to the cost of the advisors fee....  (more)
    Answered May 2012
    I would know the balance on my present loan?
    The loan balance can generally found by going online, to your custodians website, entering your personal information, and that point you should be able to pull-up your information...  (more)
    Answered Jun 2012
    We are changing 401k providers. Do I have to "accept" the Financial Advisor that ADP is providing or can I interview several and select the one I like?
    hi John, You do not have to use ADP advisors.I would also tell you that I am sure there are better providers out there than ADP. I would suggest before you implement the change, take a good look at our sources that disclose their fees and investment selection. Slowing down the process by a month ...  (more)
    Answered Jan 2013
    Can I convert my 401k account into a Roth IRA in part, by opting to pay taxes when I am still with the company I work for?
    Your current employer can establish a ROTH 401(k) in tandem with your Traditional 401(k). At that time you may transfer from the traditional to the Roth 401(k), or you can run both plans at once. Adding new contributions to the Roth plan.Best of luck, Angela Thomson ...  (more)
    Answered Sep 2012
    I'm on a committee to recommend a 401k policy for my firm. We've been discussing whether to automatically enroll all employees (they could opt-out), and also to auto-increase contributions with raises. What are the costs and benefits to these policies for our firm and employees? And are there rules
    Hi Liam, I think it has more to do with what type of employees you have. If you employees are predominately salaried, and provide "intellectual support", than an auto-enrollment as well as an auto increase, should work for the company. On the other hand, if the company is "labor intensive", I wo...  (more)
    Answered Feb 2013
    I'm trying to find the details of my 401K online... is there an easy way to find it?
    If your company has a small 401(K), it might not provide access to a national service. Ther easiest thing to do is ask for performance figures from the account representative. Then you can take the information and go to a site like www.yahoo.com - finance.Good luck....  (more)
    Answered Feb 2013
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        None
      • as of date
        Mar 6, 2018
      FINRA
      FINRA
      • license status
        Not registered
      • disclosures
        None
      • as of date
        N/A
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      Coastal Financial Planning, Inc.

      Last updated on Feb. 21, 2017
        • $26.6M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 88
          Accounts
        • $302.3K
          Estimated Average Account Balance

      Fees

      Fee Only Advisor
      $
      This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.