For High-Income Professionals and Business Owners in Their 50s and 60s
Discover the Retirement Income Strategy Designed to Replace Your Paycheck While Growing Your Wealth
Without market guesswork, fear of running out of money, or generic financial advice
75+
Years of Combined Financial Service Experience
$450M
ASSETS UNDER
ADMINISTRATION
$525M
in Assets Under
Administration
425
Families Served
and Supported
OUR PARTNERS
Disclosure: 1.) Cetera Advisors LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice. 2.) All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.
You’ve Worked Decades to Build Wealth—Now Learn How to Use It Without Outliving It
CASE STUDY HIGHLIGHTS
This Retiree Came to Coastal Strategic Capital (CSC) with Seven in Assets and Concerns About Market Risk, Income Sustainability, and Taxes
This retiree came to Coastal Strategic Capital with seven figures in assets and concerns about market risk, income sustainability, and taxes. Using a time-segmented strategy backed by math, not guesswork, they’re on track to generate significant income in retirement while growing their portfolio and reducing uncertainty. With a custom, inflation-adjusted, and tax-efficient plan, they are now on pace to gain lasting financial clarity for the future.
Background:
This case centers around a financially successful retiree navigating the shift from asset accumulation to sustainable income. With seven figures in investable assets and a retirement income need of $150,000 per year from the portfolio, they sought a strategy that could provide consistent withdrawals without depleting their wealth. Concerns about longevity risk, market volatility, and tax efficiency prompted a search for something more holistic. They turned to CSC for a formal strategy designed to replace guesswork with certainty.
Challenges & Goals:
The client was facing the classic "sequence of returns" risk, where a downturn early in retirement could devastate long-term income potential. With outdated, one-size-fits-all advice and no tax-aligned withdrawal strategy, they were vulnerable to longevity and inflation threats. Their goal wasn’t just to preserve wealth, it was to turn their savings into reliable income while still achieving growth. CSC’s proprietary approach directly addressed these concerns using a segmented portfolio model tailored to both time horizon and risk.
Process & Strategy:
Using CSC’s Advanced Time Segmentation™ framework, the client’s portfolio was divided across five categories: Fixed Income, Balanced, Long-Term Growth, Alternatives, and Lifetime Income. This helps to ensure immediate income needs are met early in retirement while giving other segments time to grow. Importantly, alternatives like private equity and credit were incorporated for reduced market correlation and tax efficiency.
The strategy models inflation-adjusted withdrawals and tax impact, leading to a scenario where the client is projected to withdraw income consistently and still grow their portfolio. The plan is supported with visual modeling, making every assumption transparent and grounded in math, not guesswork.
Results:
The transformation was both financial and psychological. The client is projected to achieve their annual income goal through a tax-efficient distribution plan without drawing down principal.
Throughout retirement, they are expecting to generate significant income while maintaining portfolio growth. Beyond the numbers, the client feels in control, no longer anxious about market swings or advisor ambiguity.
With a custom-built model reflecting their full financial life, they now have clarity and confidence knowing their wealth is structured to last and grow.
Replace Financial Anxiety With a Plan That Shows You Exactly What to Do
CASE STUDY HIGHLIGHTS
This Couple Came to Coastal Strategic Capital (CSC) with a substantial net worth and Deep Concerns About Market Volatility
This couple came to Coastal Strategic Capital with an eight figure net worth and heightened concerns about market volatility. Using a segmented strategy to reduce sequence-of-returns risk, they’re now on track to avoid major losses in income success rates. Throughout retirement, they are projected to generate significant, inflation-adjusted income while growing their portfolio and strengthening long-term confidence in their retirement plan.
Background:
This case follows a couple nearing retirement with moderate savings but deep anxiety about market uncertainty. With seven figures in investable assets and a goal of generating steady income throughout retirement, they worried that a poorly timed market decline could derail their financial future. Like many others in their position, they had relied on “safe withdrawal rates” and traditional 60/40 portfolios but lacked a math-driven, income-focused strategy. Seeking stability and clarity, they turned to CSC for a data-backed solution that could provide predictability and peace of mind.
Challenges & Goals:
Their biggest challenge was the sequence-of-returns risk — the danger that a market downturn early in retirement could sharply reduce their long-term income potential. Traditional investment approaches didn’t provide the protection or consistency they needed. Their goal was clear: to create a reliable, math-driven income plan that could weather market swings, preserve assets, and support their desired lifestyle with confidence.
Process & Strategy:
CSC implemented its Advanced Time Segmentation™ strategy, dividing the couple’s portfolio into structured time-based income layers: Fixed Income for near-term withdrawals, Balanced for mid-term growth, and Alternatives for long-term accumulation. This design helps offset early-retirement market volatility by giving later segments time to recover and grow.
Private market alternatives were also incorporated to diversify risk, improve tax efficiency, and reduce correlation to traditional markets. Through advanced modeling of both normal and downturn scenarios, CSC demonstrated how a custom, inflation-adjusted income plan could provide reliable distributions without depleting assets.
Results:
With the new strategy in place, the couple’s income is projected to remain steady, even during market downturns. The segmented plan helps insulate their early-year withdrawals from volatility while supporting long-term growth.
As a result, they are now on pace to maintain their income goal, achieve sustainable retirement income growth, and avoid the steep declines in success rates typically caused by sequence-of-returns risk. Most importantly, they’ve gained the clarity and confidence needed to enjoy retirement knowing their wealth is structured to last.
We show you how to generate income, reduce risk, and preserve legacy.
More Than Investment Advice, It’s a Full Wealth Strategy.
From tax planning to private investments and business exits, CSC coordinates every part of your financial picture with true independence and clarity.
CLIENT TESTIMONIALS
What Our Clients are Saying?
Wife and I have had a first-class experience working with AJ and Billy at Coastal Strategic Capital, and we couldn't be more pleased with the guidance they provide. From our very first meeting, they took the time to truly understand our financial situation, and they have been instrumental in creating a clear and strategic plan for our retirement needs.
What we appreciate most is how knowledgeable, responsive, and available they are. Whenever we have questions, we know we can count on a prompt and thorough answer. The entire team is professional and genuinely cares about their clients' success, giving us great confidence that our finances are in excellent hands. We wholeheartedly recommend them to anyone seeking a trusted partner for their financial future.
— Brad Hall
Can’t recommend AJ and the team at Coastal Strategic Capital enough. Their team is the perfect balance of knowledgeable, patient, and forward-thinking. What stands out most is the way they take time to explain strategies in a way that’s clear and easy to understand. We always feel confident knowing our financial plan is grounded in proven principles, while also being flexible enough to adapt to changing conditions.
If you’re looking for advisors who genuinely care about your goals and consistently go above and beyond to keep you on the right path, Coastal Strategic Capital is the team you want by your side.
— Laurie Beagan
Top notch in every regard. I am so glad we met them and now are clear about our financial future. Before meeting them, I worried all the time about whether we would have enough to retire one day. In two short years, they have built a comprehensive plan that covers every aspect of our financial well being. They go way beyond what any other financial advisor has ever done for us. Their business model has great integrity and is focused on what is best for our lives. I recommend them highly to anyone who wants to sleep with more peace of mind.
— Pam
Began looking for new financial advisers last year after I retired. I wanted someone I could speak with in person who I felt was looking out for my best interest. I am not well versed so I needed to find someone who was trustworthy and competent . After researching many advisors, I selected the top three and met with each. Billy and AJ at Coastal Strategic Capital quickly rose to the top and I transferred my savings into their care. They assisted me with all the paperwork, explained the process, took calls from and I have not been more sure about the decision to go with them. We have developed a friendship and they have given me a great strategy to develop my savings and will one day assist my children in the same way. I can't rave enough about their professionalism, yet caring hearts!
— Dave Soderberg
Real Strategy. Real Math. No Guesswork.
Discover how we help families turn uncertainty into clarity with a plan that works for your life—not just your portfolio.
At CSC, we serve as your Family CFO—building a custom financial model that includes your taxes, real estate, business assets, and retirement goals.
Then we show you how you can generate predictable income, minimize taxes, and still grow your wealth. It’s not theory. It’s real math. And it works.
Ready to Stop Guessing and Start Spending With Confidence?
Apply now for your free Retirement Income Strategy Session and discover how to turn your assets into predictable income—with real math, not opinions. This is the clarity high-net-worth families deserve.
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Disclosure: Registered Representative offering securities through Cetera Advisors LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. 115 Fairchild St, Suite 320, Charleston, SC 29492. 843-471-1470.