Trusted coastal financial guidance since 1998

Navigate Your Financial
Future with Confidence

GoCoastal Financial delivers personalized wealth management, retirement planning, and investment strategies tailored to help coastal communities thrive.

$2.4B+
Assets Under Management
4,800+
Satisfied Clients
26 yrs
Of Trusted Service
98%
Client Retention Rate

Comprehensive Financial Services

From retirement planning to business advisory, we offer a full suite of services designed for your unique coastal lifestyle and financial goals.

Wealth Management

Holistic strategies to grow, protect, and transfer your wealth across generations — tailored to your risk profile and life goals.

Retirement Planning

Secure your ideal retirement with income strategies, Social Security optimization, and tax-efficient withdrawal planning.

Investment Advisory

Diversified portfolio construction with access to institutional-grade investments aligned with your time horizon and objectives.

Estate Planning

Protect and pass on your legacy with wills, trusts, beneficiary designations, and charitable giving strategies.

Business Advisory

Strategic financial planning for business owners — from succession and exit planning to key-person insurance and benefits design.

Tax Optimization

Year-round tax planning and coordination with your CPA to minimize your tax burden and maximize after-tax wealth.

Built on Trust, Driven by Your Goals

At GoCoastal Financial, we believe every client deserves transparent, conflict-free advice. As a fee-only fiduciary advisory firm, we are legally and ethically bound to act in your best interest — always.

Fiduciary Standard
We are legally obligated to prioritize your interests above all else.
Fee-Only Transparency
No commissions, no hidden fees — our compensation is clear and straightforward.
Personalized Approach
No cookie-cutter plans. Every strategy is built around your life and goals.
Long-Term Partnership
We grow with you through life's milestones, adapting as your needs evolve.
"
GoCoastal transformed how we think about our future. They took the time to truly understand our family's goals and built a plan that feels like it was made just for us.
MR
Mark & Rebecca T.
Clients since 2015, Monterey CA

Meet Our Advisors

Our team of CFP®-certified professionals brings decades of combined experience helping coastal families and businesses flourish.

SL

Sandra Lee, CFP®

Founder & Lead Advisor

26 years in wealth management with a focus on retirement income planning and estate strategies.

JM

James Morales, CFP®

Investment Strategist

Former portfolio manager with expertise in sustainable investing and institutional-grade portfolio construction.

AK

Aisha Kim, CPA/PFS

Tax & Planning Specialist

Dual-certified advisor specializing in tax-efficient wealth transfers and business owner financial planning.

Ready to Chart Your Course?

Start with a complimentary 30-minute consultation. No pressure, no obligation — just a conversation about your financial future.

We respect your privacy. Your information will never be shared or sold.