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Coastal Wealth Management - Financial Advisor in Mystic, CT | WiserAdvisor.com

Your financial goals are individual, and we can help you achieve them. We take the time to understand whats truly important to you, whether its saving for college, retiring the way you want, making smart investments or anything else. The personalized financial advice we offer can help you prepare for the expected and unexpected things in life. As a result, you can feel more confident, connected and in control of your financial life. With the right financial advice, life can be brilliant. We focus as a firm on the following niches: retirement planning strategies, tax planning strategies, and employee stock options.

Coastal Wealth Management

As an experienced executive, Chief Operating Officer Mr. Joelson's primary responsibilities include oversight and effective operation of the firm and its staff, budgeting and growth planning, due diligence, client relations and service inquiries, ongoing analysis of market trends and the corresponding effect on investment assets with participation on the investment committee and finally general supervision of the firms processes and procedures. Mr. Joelson is a Yale University graduate who has obtained his CPA and is a CFA Charterholder. Ryan is a Senior Executive with over 22 years of asset management experience ranging from operational management and process improvement, financial advisory services, tax consultation, portfolio management, and product development. Ryan's expertise has been widely utilized throughout the financial industry over the years and can be found in publicly available investment products offered by household names such as Invesco and Nuveen.

Jason Cerniglia is in his 21st year working as a Financial Advisor.  After graduating from the University of Connecticut with degrees in Finance and Public Relations, he started out as a Financial Advisor at Smith Barney in Boston, MA.  In 2004, Jason and his team began to sense that the brokerage only model was not the best way to serve our clients. On January 5th, 2005, Jason and his team transitioned to Ameriprise Financial and he became a franchise owner in September of 2007. Over the course of the last 19 years, Jason has earned numerous professional designations and awards. Currently, as a Private Wealth Advisor, Jason and his team are considered one of the top 30 advisory teams (nationally) at Ameriprise. Coastal Wealth Management has also been recognized by Barrons, Forbes, and the Financial Times as one of the top financial planning and asset teams in the nation.

As a Certified Financial Planner and CEO of Coastal Wealth Management, Jason focuses on financial planning, retirement distribution planning, and investment management for his clients.  Jasons clients include (but are not limited to) executives at many of our local fortune 500 companies, business owners, and family trusts. Jason also oversees Coastal Wealth Managements Investment Policy Board. The board works directly with Ameriprises investment research group to shape investment portfolio and allocation decisions for our clients investment portfolios.

Michael Kelley is currently in his 9th year in the financial services industry.  His financial and business experience includes financial planning, investment advice services, investment research, and advisor education. From a young age, he was drawn to the importance of financial literacy and the financial markets. This drives Michael to continue helping others feel empowered about their financial situation. 

As a Financial Advisor at Coastal Wealth Management, Michael focuses primarily on comprehensive financial planning, retirement income strategies and investment management. He believes it's crucial to invest time understanding what is most important to clients, before investing their money. 

Michael is also a member of the Coastal Wealth Managements Investment Policy Board. He previously served as a Financial Advisor with Edward Jones Investments and began his career with Lincoln Financial Group as a Regional Vice President.

Michael attended The Ohio State University.  He is currently completing coursework for the CERTIFIED FINANCIAL PLANNER designation.

Michael is a previous collegiate athlete and carries that love for sports today as a dedicated fan.  He swam while at The Ohio State University and coached multiple high school state champions. Today he enjoys spending time with his family and traveling. He and his wife, Katie and daughter, Monroe live in Branford with their two dogs. You can find them exploring the New England outdoors, hiking and skiing or discovering the next best hole-in-the-wall restaurant.

Bryan Lauriat is currently in his 18th year in the financial services industry.  He has extensive experience across several areas of the business including financial planning, investment advice services, investment research, trading, client service and operations.  This unique skill set has enabled Bryan to deliver not only well-communicated financial advice and effective, cost-efficient investment guidance but, more importantly, an exceptional service experience for each and every client he works with.

As a Managing Director at Coastal Wealth Management, Bryan focuses primarily on comprehensive financial planning, retirement income strategies, investment management and insurance solutions.  Whether he is educating the young investor just getting started, helping a busy small business owner navigate the complexities of implementing a retirement savings plan for their employees, or working with folks in retirement to help their paychecks, Bryans passion for financial planning is quickly evident. 

Bryan is a member of the teams Investment Policy Board.  He holds a bachelors degree in Economics from the University of Connecticut and the Accredited Portfolio Management Advisor (APMA) designation from the College for Financial Planning.  He is currently completing coursework for the CERTIFIED FINANCIAL PLANNER designation.

Bryan is an avid sports fan and athlete.  He plays ice hockey and softball competitively and also enjoys golf and skiing with his family.  He, his wife Lisa, and their family live in North Haven, Connecticut with their rescue dog Jack.

As a firm, we learned how to build diversified portfolios based on the risk parameters required from a variety of different firms.  At CWM, we use the combined experience of over 100 years to use asset allocation to effectively minimize risk, protect principal, and drive returns based on various risk profiles.  We determine the strengths, weaknesses, threats, and opportunities regarding the assets and their performance and make an optimum choice so as to maximize the returns from the pool of assets.

The key to successful 401K rollovers is for the advisor to become intimately aware of the client's employers process and ensure a smooth transition.  At CWM, we do the legwork and have a seamless process to make sure the rollover is successful and with few headaches for the client.

Retirement planning is the process of determining retirement income goals, and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, sizing up expenses, implementing a savings program, and managing assets and risk.  At CWM, we embrace retirement planning.

As experienced insurance agents, we do offer insurance as needed by the client.

As experienced insurance agents, we do offer fixed or variable annuities as needed by the client.  However, we prefer to stick to overall wealth management and prefer vehicles other than annuities to achieve our clients wealth targets.

We partner with several different estate and trust attorneys to make sure the client experience is seemless.

Although several of our advisors have tax backgrounds, we prefer to liase with CPAs and tax attorney's who specialize in this field to make sure our advice is targeted and on point.

We provide investment advice as needed and have at least two meetings with clients per year to make sure we are sticking to the financial plan and goals of the client.

Wealth management is more about integrating the pieces and advice regarding the financial aspect of an individual. It provides a holistic approach where a manager coordinates with their services so as to manage their money and plan accordingly so as to meet the present and futuristic financial needs and requirements posed by the clientele.

/ At CWM, we form a designated plan so as to increase the clients wealth based on the financial situation, goals and level of risk tolerance. We develop the plan and continue to update and review the plans so as to rebalance the financial portfolio whenever required. This is usually appropriate for individuals who have an array of diverse requirements and need to balance between them.

Risk is inseparable from return. Every investment involves some degree of risk, which is considered close to zero in the case of a U.S. T-bill or very high for something such as emerging-market equities or real estate in highly inflationary markets. Risk is quantifiable both in absolute and in relative terms. A solid understanding of risk in its different forms can help investors to better understand the opportunities, trade-offs, and costs involved with different investment approaches.  CWM thinks about risk management in every facet of our clients lives.

Effective money management is an essential component for achieving your long-term goals like buying a house and starting a family. Maintaining a budget enables you to save for all the things you hope to someday do.  At CWM, we practice money management for all of our clients.

Integrated financial planning process will involve:

Determining both business and personal goals /

Conducting an assessment of business and personal resources, and determining which areas have opportunities for improvement /

Developing and implementing a strategy to help you achieve your vision and making sure to balance business and personal goals /

Monitoring the strategy to determine whether you are on track or if adjustments need to be made in light of changing business and personal goals /

There are many important personal financial planning considerations for you to dive into with us at CWM such as:
Cash flow planning /
Retirement planning /
Investment planning /
Estate planning /
Risk management /
Tax planning /

A financial plan is a comprehensive evaluation of an individual's current pay and future financial state by using current known variables to predict future income, asset values and withdrawal plans.

At CWM, financial planning is an ongoing process that will reduce your stress about money, support your current needs and help you build a nest egg for your long-term goals, like retirement. Financial planning is important because it allows you to make the most of your assets, and helps ensure you meet your future goals.

Effective wealth management combines financial advice and consulting into one effective platform and this is just another aspect of our wealth management at CWM.

As part of our comprehensive wealth management, education funding and planning is just one of many goals we will cover and ensure that its met with success.

Coastal Wealth Management

Coastal Wealth Management

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