Fiduciary, Fee-Only, Certified Financial Planner®

Tax-Focused Financial Planning for Retirees & Pre-Retirees

Serving Bluffton, Hilton Head, Savannah, & the Lowcountry. We integrate wealth management, Retirement Income Planning, and tax strategy to help you keep more of what you’ve earned—without the complex jargon.

Schedule 15 Minute Phone Call

Over 50 Five-Star Google Reviews

The Google reviews presented are from current or former clients of Coastline Complete Wealth LLC. No compensation was provided for these testimonials. The experiences described may not be representative of the experience of all clients and are not indicative of future performance or success.

Recognized and Featured By

Why Work With Coastline Complete Wealth

  • CERTIFIED FINANCIAL PLANNER®

    Your CFP® professional is held to rigorous ethical and professional standards—helping ensure your financial plan is evidence-based and designed around your life.

  • Fee-Only & Independent

    As an independent RIA, we never sell products or receive commissions. Our transparent fee structure removes the traditional sales incentives and product commissions that can create conflicts of interest.

  • Fiduciary

    You deserve a fiduciary financial advisor who provides transparent retirement advice without commissions and hidden costs. We are legally bound to act in your best interest — always.

Understanding Your Needs

Common Questions We Help Lowcountry Retirees Answer:

  • Are all of my accounts, investments, and strategies actually working together?

  • Is my retirement income plan built to minimize taxes, or am I leaving money on the table?

  • Am I invested the right way for retirement, or just riding the market’s roller coaster?

Everything begins with listening.

We’re an independent, fee-only fiduciary financial planning firm based in Bluffton, SC, serving retirees throughout Hilton Head, Savannah, and the Lowcountry.

As CFP® professionals, our loyalty is to you—not a bank, brokerage firm, or insurance company. We have no sales incentives or proprietary products. Every plan we design puts retirement income planning and tax strategy at the center.

We take the time to understand what matters to you, simplify the complicated, and help you enjoy the retirement you’ve worked so hard to build.

We typically work with retirees and families approaching retirement with $1 million or more in investment assets.

Our Comprehensive Financial Planning Services

Tax Planning

Forward-looking strategies to minimize lifetime taxes—including Roth conversions and distribution planning—so you keep more of what you’ve earned.

Retirement Income Planning

Turn your nest egg into a predictable, tax-efficient income stream so you can enjoy retirement without worrying about running out of money.

Investment Management

Customized, evidence-based portfolios built to grow and protect your wealth—aligned with your goals, cash-flow needs, and risk tolerance.

Social Security Timing

Personalized guidance on when and how to claim Social Security to maximize your lifetime benefits and protect surviving spouses.

Estate Planning

Collaborate with your estate attorney to ensure your wealth, legacy, and family are protected according to your exact wishes.

A DIFFERENT KIND OF FINANCIAL ADVISOR IN BLUFFTON & THE LOWCOUNTRY

Do you have accounts scattered in different places without a clear strategy? Do you know what you’re paying in fees—or what you’re actually getting for them?

Too often, financial advice stops at investments. We take a more complete approach:

  • Proactive Tax & Income Planning: Investment decisions, retirement income, and tax strategy work together—not in separate silos.

  • No Sales Agenda: No sales quotas, commissions, or proprietary product requirements.

  • Ongoing Communication: Your plan evolves as markets, tax laws, and your life change.

Meet the Team

2023 Forbes Best In State Wealth Advisors, created by SHOOK Research. Presented in April 2023 based on data gathered from June 2021 to June 2022. 22,243 were considered, 7,321 advisors were recognized. Not indicative of advisor’s future performance. Your experience may vary. Click here for more award information.

Coastline Complete Wealth is an SEC-registered, fee-only fiduciary financial advisory firm based in Bluffton, South Carolina. We serve retirees and families throughout Bluffton, Okatie and Hardeeville, including Sun City Hilton Head, Hampton Hall, Belfair, Berkeley Hall, Colleton River, Palmetto Bluff, Moss Creek, Rose Hill, Hampton Lake, Latitude Margaritaville Hilton Head, Callawassie Island and Spring Island. We also serve clients throughout Hilton Head Island, Beaufort and Savannah.