Estate Planning, Retirement Planning, Advanced Planning

Invesment Plan

Based on your investor profile, an investment plan is custom designed for the accumulation phase of your life.  You are encouraged to save monthly, with the objective of investing and growing your net worth. During your distribution phase of life, or retirement, when you will be looking to receive passive income, your golden years are best spent without the worry of running out of money.

Estate Planning


An estate plan is pertinent in any retirement plan. It ensures that your family and financial goals are met before and after you die. The guidance of a licensed professional offers a tremendous amount of benefits over a discounted template. Gold Coast Financial Group offers an in-house attorney, Julie B. Mains, Esq. for the convenience of our valued clientele. To learn more, please visit Mains Law Office

Retirement Planning


Retirement planning generally refers to an allocation of financial resources toward retirement. Through saving and compounding the growth of your investments, the ultimate goal is to generate an income without having to work. Historically, the road to retirement was a traditional asset allocation model during the accumulation phase and income vehicles during distribution. However, we’ve had a paradigm shift in conventional methods and investment strategies. Portfolio construction has drastically changed and should adapt with the new world. Our portfolio allocation takes an innovative and multi-dimensional approach in an effort to consistently grow client assets while managing risk and reducing volatility. Please refer to GCFG Wealth to learn more about investment portfolio design. In order to retire, your goal is to build up your assets, so that you are able to create your own pension, establishing predictable annual income for your distribution phase. There are seven important steps in developing your personal pension.

  1. Identify your desired annual income at retirement. 
  2. Calculate your current income. 
  3. Identify the income gap, with consideration for taxes and inflation.
  4. Calculate your retirement sustainability quotient. 
  5. Assess the plan. Is it sustainable? (Considerations: inflation, longevity, sequence of returns) 
  6. Calculate your financial legacy value. 
  7. Use your nest egg to allocate various investment vehicles to create your personal pension.

Advanced Planning


Advanced planning refers to the four key areas of a client’s financial life beyond the investments.

The Wealth Management Consultative Process

  • Wealth Management aims to produce the best possible investment returns consistent with the client’s level of risk tolerance while minimizing the tax impact on those returns. 
  • Wealth Transfer intends to facilitate the most tax-efficient way to pass assets to succeeding generations, and to do so in a way that meets the client’s wishes. 
  • Wealth Protection is geared toward protecting the client’s wealth against potential creditors, litigants, children’s spouses and potential ex-spouses, as well as protecting the client against catastrophic loss. 
  • Charitable Gifting helps fulfill the client’s charitable goals and can often support efforts in each of the other three areas.

The advantage of our wealth management process is that it enables us to deal with each area systematically while maintaining an integrated approach to a client’s overall financial picture.

Tax Planning


Our tax strategist, Jeff Trapp, is available for tax planning, preparation, strategies, evaluation, and more. He is an Enrolled Agent, licensed by the IRS.  For more information, please visit The Tax Planning Pros.

Lifecycle Planning


Birth / Adoption of a Child
The addition of a new family member can significantly impact your finances. Discover how to be financially prepared for this life-changing event.

Paying for College
College can be a great investment in the future. Learn how to financially prepare yourself or your children to pursue higher education.

Marriage & Divorce
Marriage, remarriage, partnering, or divorce can all have big impacts on your personal finances. Gain a more complete understanding of the financial implications of these events.

Home Ownership
Buying a home is a significant financial decision. Whether you’re just entering the housing market or already own a home, you will find information to help you make informed decisions.

Natural Disasters & Unexpected Events
Unexpected events, can have deep and far reaching impacts, including impacts on finances, and may result in the need to make challenging financial decisions.

Starting / Losing a Job
When you begin a new job, change jobs, or have a job loss, obtain the information you need about benefits and other changes to be prepared for the future.

Starting / Buying a Business
Whether you are starting, buying, or managing your business, you can find tailored resources here to help you create and sustain a successful business.

Planning for Retirement / Retiring
The sooner you begin planning your retirement, the easier it will be. Learn more about employer-provided and personal retirement savings plans and options, and other ways to build a more secure retirement.

Death of Family Member
Get the facts now about being financially prepared for losses in the family.