{"url":"https://nivawealth.com/firms/t-r-u-e-coastal-capital-281556","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/281556","regulatoryAum":124109371,"crd":"281556","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4202323","suffix":null,"lastName":"HUBBARD","firstName":"SAMUEL","middleName":"M"},{"crd":"5941473","suffix":null,"lastName":"ROSS","firstName":"MICHAEL","middleName":null}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-03-28","regulatoryAum":109153476,"clients":176,"employees":4,"offices":2},{"filedOn":"2026-03-25","regulatoryAum":124109371,"clients":156,"employees":4,"offices":2}],"secFileNumber":"801-134913","legalName":"T.r.u.e. Coastal Capital, LLC","displayName":"T.r.u.e. Coastal Capital","slug":"t-r-u-e-coastal-capital-281556","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Georgia limited liability company","fiscalYearEnd":"December","headquarters":{"street":"21 East York Street","city":"Savannah","state":"GA","stateName":"Georgia","country":"United States","postalCode":"31401"},"tradeNames":["Coastal Capital Management, LLC"],"registration":{"secApproved":"29 April 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":795572.891025641,"staff":{"employees":4,"advisory":2,"brokerDealerReps":1,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":124109371,"discretionary":124109371,"discretionaryAccounts":416,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":106,"regulatoryAum":51717328},{"label":"High-net-worth individuals","clients":50,"regulatoryAum":72392043}],"feePrograms":[{"role":"main","program":"Portfolio Management Services","feeBasis":"marginal","fee_tiers":[{"to":500000,"pct":1.15,"from":0},{"to":1000000,"pct":1,"from":500000},{"to":null,"pct":0.9,"from":1000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1026417","versionId":1026417,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-25","documentName":"FORM ADV PART 2A BROCHURE","fee_rate_low":0.9,"fee_rate_high":1.15,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning and Consultation Services","summary":"Hourly planning is billed at no more than $400 an hour with a one-hour minimum; basic plans cost $1,750 to $2,750 and advanced plans $2,750 to $25,000 or more, by net worth.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1026417","versionId":1026417,"submittedOn":"2026-03-25","documentName":"FORM ADV PART 2A BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:17:55.032343+00:00","documents":[{"name":"FORM ADV PART 2A BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1026417","versionId":1026417,"submittedOn":"2026-03-25"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":28112285},{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":90408532}],"custodyNote":"T.r.u.e. Coastal Capital has custody of $20.3M in client assets for 55 clients.","leadership":[{"name":"Samuel Hubbard","title":"Chief Executive Officer/Chief Compliance Officer","crd":"4202323"},{"name":"Michael Ross","title":"Chief Financial Officer/Chief Investment Officer","crd":"5941473"}],"ownership":[{"label":"Salt Marsh Capital, LLC","detail":"Owner in the 50% to 75% ownership band and a control person, since October 2023."},{"label":"T.r.u.e. Financial Guides, Inc.","detail":"Owner in the 50% to 75% ownership band and a control person, since October 2023."},{"label":"Samuel Hubbard","detail":"Indirect owner: a managing principal of Salt Marsh Capital, LLC in the 75% or more band and a control person, since August 2023.","parent":"Salt Marsh Capital, LLC"},{"label":"Michael Ross","detail":"Indirect owner: a managing principal of T.r.u.e. Financial Guides, Inc. in the 75% or more band and a control person, since August 2016.","parent":"T.r.u.e. Financial Guides, Inc."}],"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Georgia","offices":1,"addresses":[{"street":"21 East York Street","city":"Savannah","headquarters":true}]},{"state":"New York","offices":1,"addresses":[{"street":"160 Linden Oaks","city":"Rochester"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"912-234-3657","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":60},{"label":"Securities issued by registered investment companies or business development companies","percent":38},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"25 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/281556/PDF/281556.pdf","brochureDate":"25 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1026417","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does T.r.u.e. Coastal Capital have?","answer":"T.r.u.e. Coastal Capital has 156 clients and manages $124 million for them, as of March 2026. They include 106 individual clients and 50 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does T.r.u.e. Coastal Capital offer?","answer":"T.r.u.e. Coastal Capital provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does T.r.u.e. Coastal Capital charge?","answer":"T.r.u.e. Coastal Capital charges 0.90%–1.15% a year for its Portfolio Management Services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.","source":"FORM ADV PART 2A BROCHURE, filed 25 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does T.r.u.e. Coastal Capital use?","answer":"T.r.u.e. Coastal Capital’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $90.4M and Charles Schwab & Co., Inc. (Westlake, TX), with $28.1M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does T.r.u.e. Coastal Capital have?","answer":"T.r.u.e. Coastal Capital has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 2 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 2 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does T.r.u.e. Coastal Capital invest in?","answer":"At the end of its last fiscal year, T.r.u.e. Coastal Capital’s separately managed accounts held 60% exchange-traded equities, 38% registered funds (mutual funds, ETFs, BDCs) and 2% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns T.r.u.e. Coastal Capital?","answer":"T.r.u.e. Coastal Capital is owned through holding companies by Samuel Hubbard and Michael Ross. Its direct owners are Salt Marsh Capital, LLC (50% to 75%) and T.r.u.e. Financial Guides, Inc. (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does T.r.u.e. Coastal Capital get paid?","answer":"T.r.u.e. Coastal Capital is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is T.r.u.e. Coastal Capital registered with the SEC?","answer":"Yes, T.r.u.e. Coastal Capital has been registered with the SEC as an investment adviser since 29 April 2025. Its CRD number is 281556 and its SEC file number is 801-134913.","source":"Form ADV Part 1A, Item 1, filed 25 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact T.r.u.e. Coastal Capital?","answer":"T.r.u.e. Coastal Capital’s main office is at 21 East York Street, Savannah, GA 31401. Its phone number is 912-234-3657.","source":"Form ADV Part 1A, Item 1.F, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}