Your trusted advisors for steady, long-term strategies.
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Two Audiences. One Team.
What We Do For You.
Whether you’re building a family’s long-term plan or guiding a business through its most important transitions, our work is the same: every piece of your financial life, coordinated by one team.
For Families
Building the life behind the wealth.
For Business Owners
Guiding the work of a lifetime.
Financial Planning
Comprehensive plans built around your timeline and the lives behind the numbers. Vision setting, retirement income strategy, healthcare planning, cash flow forecasting, asset protection, generational wealth design.
Business Exit Planning
The biggest payday of your life deserves a plan that protects every dollar. Pre-sale readiness reviews, tax-efficient sale structuring, buy-sell agreement coordination, post-sale wealth integration, identity-after-the-sale planning.
Investment Management
Disciplined, low-cost portfolios built around your goals — not market headlines. Custom allocations, tax-aware management, concentrated position handling, ongoing portfolio review, behavioral coaching during volatility.
Tax Strategy
Year-round, decision-by-decision tax awareness coordinated with your CPA. Distribution planning, charitable giving, Roth conversion analysis, business sale tax structuring, use of provisions written specifically for owners.
Estate Planning
Coordination with your attorneys so the plan actually holds. Wills and trusts, beneficiary review, wealth transfer strategy, generational planning, legacy conversations with the next generation.
Risk & Insurance
Independent reviews of life, disability, and liability coverage. Structured around what actually matters to your family and your business — including ILITs and advanced strategies.
The Client Experience
“
At 67, I have worked with countless professionals: doctors, engineers, contractors, architects, lawyers, CPAs, financial advisors, rocket scientists… and you guys are in that refined upper 1% of experts. You are there. The best! Thank you for all that you do.
SCOTT & JEN
Business Owner Friends
What Coordination Actually Looks Like
The 12 Decisions That Define a Year.
Most families navigate these in isolation. Each one affects the others. Coordination is the difference between “I think we made the right call” and knowing.
01 · January
Q4 estimated tax payment timing & safe-harbor review.
02 · February
Roth conversion analysis based on prior-year income.
03 · March
Retirement plan contribution optimization & deadline review.
04 · April
Final tax filing review with your CPA — coordinated, not separate.
05 · May
Mid-year portfolio rebalancing & concentrated position review.
06 · June
Insurance review — life, disability, P&C, umbrella, ILIT health.
07 · July
Mid-year cash flow review & business distribution planning.
08 · August
Estate plan health check — beneficiaries, trustees, attorney review.
09 · September
Equity comp election decisions & deferred comp deadlines.
10 · October
Tax-loss harvesting & capital gains planning before year-end.
11 · November
Charitable giving strategy — QCDs, DAFs, appreciated stock.
12 · December
Year-end RMD verification & January cash flow positioning.
Twelve decisions. One coordinated team. That’s what coordination actually looks like.
Why Business Owner Families
The Tax Code Was Built For You.
For more than a century, the United States tax code has been quietly written in favor of the people who build businesses. Section 1202. Section 199A. Accelerated depreciation. Cost segregation. Deferred compensation. Qualified small business stock. The list of provisions designed to reward ownership keeps growing.
Most business owners use a fraction of what’s available to them — not because they don’t care, but because nobody is coordinating it. The CPA handles the return. The attorney handles the documents. The advisor handles the portfolio. None of them are running the same playbook.
That’s the gap we close. Castle Coast Wealth coordinates every decision — before the sale, during the transition, after the exit, and across generations — so the provisions written for owners actually benefit owners.