facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog external search brokercheck brokercheck Play Pause
CIA
Costal Independent Advisors

Efficient Wealth Management | Bucket Planning Strategies


Prudent Advice You Need

Exceptional Service You Deserve


Learn More

Simplifying Your Investments

To Achieve Your Long-Term Goals


At Coastal Independent Advisors, we use bucket planning strategies with the goal of achieving efficient liquidity, growth, income, tax alpha, and risk management for long-term success. For over 27 years, Steven Horn, MSFS has worked with professionals, business owners, corporate accounts, and more, to approach their finances logically, so they can achieve success over time.


Through a fiduciary relationship and client-first approach, we’ll help you discover what it means to apply management principles, retirement planning, logical investing, and more to your life, business, and employees.

Working with our team should bring your potential success to a much higher-level over time.


More Than an Advisor, We’re Your Portfolio Manager

With us, you can expect a tailored experience because we build the models, stocks, and asset allocation strategy models ourselves. Our models can include cash alternatives, bonds, stocks, ETF's, alternatives, and more.

From a planning and investment perspective, we take into consideration your entire financial picture. 


Get To Know Your Advisory Team

Meet Your Team

Portfolio Manager

Your Trusted Wealth Advisor


Schedule a Meeting

Steven Horn, MSFS Photo

Steven Horn, MSFS

Portfolio Manager & Wealth Advisor

Email

shorn@coastalindependent.com 


When Steven was a young man watching the ticker light up in green and red, he was mesmerized and needed to learn more. The rest is history. He was originally licensed in 1995 and began trading stocks for high-net-worth professionals. Building bucket plans and managed models are his expertise, while providing prudent advice is his passion. Steven holds a Master’s of Science degree in Financial Services (MSFS).


After owning his own mortgage company and registered investment advisory firm for many years, Steven moved into the bank advisory channel, working at Santander Bank and Citibank. He was voted top 100 bank advisors in the country in 2018. After roughly 10 years in the bank channel, he decided to go independent - a decision that was the best he could have made for himself, his family, and his clients. 


Steven met his wife when they were 15 years old, the fairytale continues today. They are proud parents of 3 wonderful young adults who are either finishing, or have moved on from college. Steven’s motto is family first, stay healthy, and help anyone you can. Coaching clients to avoid the pitfalls of investing is his superpower.

Barb Trimbur Photo

Barb Trimbur

Operations Associate


Email

btrimbur@realtawealth.com

Barb Trimbur joined Realta Wealth (formally Coastal One) in December 2014. Prior to joining Realta she gained extensive experience in the banking industry and the running of her own business. In her role of Head of Operations, she communicates directly with Steven and assists him with daily operation needs and requests. Steven Partners with Realta Wealth for all of his compliance, administration needs, processing and more.

Get to know the rest of the support team.

The Team

Managed Models Partnered

With Straightforward Conversations

Discover Our Approach


Fiduciary Perspective | New York NY | Coastal Independent Advisors

Fiduciary Perspective

Hover For More

Coastal Independent Advisors is a fee-only advisor who values alignment of interests with our client families above all else.

Logical Approach To Finances | New York NY | Coastal Independent Advisors

Logic Vs. Emotion

HOVER FOR MORE

Investing can be emotional, especially when volatility hits markets. We coach clients to think with logic during these times.

Long Term Financial Focus | New York NY | Coastal Independent Advisors

Long-Term Focus

HOVER FOR MORE

Your financial strategy should evolve as your life does. With new challenges, opportunities and rules, you need a partner to help guide you in the long run.


Our Capabilities & Services

Our bucket planning strategies are truly unique and have proven to be successful. We base the plan on liquidity, time horizon, goals, risk control, and more. Account types include, but are not limited to:


Manage Joint & Individual Accounts | New York NY | Coastal Independent Advisors

Individual/Joint Accounts

IRAs & 401k Management | New York NY | Coastal Independent Advisors

IRAs 401(k)s

Managed Corporate Accounts | New York NY | Coastal Independent Advisors

Corporate Accounts

Estates & Trusts | New York NY | Coastal Independent Advisors

Estates & Trusts


Here’s How It Works:



Short Term Investment Strategy | New York NY | Coastal Independent AdvisorsShort-Term

Mid-Term Investment Strategy| New York NY | Coastal Independent AdvisorsMid-Term

Long-Term Investment Strategy | New York NY | Coastal Independent AdvisorsLong-Term




Bucket #1

Time Horizon: Immediate - Roughly 24 Months

Possible Holdings: Cash, Cash Equivalents, Diversified Fixed Income, and more.

Bucket #2

Time Horizon: Roughly 2 Years or Longer

Possible Holdings: Cash Equivalents, Diversified Fixed Income, Equities, ETFs, Alternatives, and more.

Bucket #3

Time Horizon: Roughly 5 Years or Longer

Possible Holdings: Cash Equivalents, Diversified Fixed Income, Equities, ETFs, Alternatives, and more.


Transparent Costs & Conversations

As a fee-only advisor, our success is tied directly with yours, rather than a sales commission. We’re dedicated to your long-term success, and the well-being of your financial future.


Discover Our Process

How Do We Work With Clients?

It All Starts With a Close Relationship

In Which We Get To Know You


Our primary interest is to learn about you in order to develop a plan that fits your needs and wants. By understanding the dynamics of your family, your concerns, and your goals for the future, we should have a very good chance for long-term success.



Our Planning Process:

Click to read more


Step 1: Get to know you and your financial goals | New York NY | Coastal Independent Advisors
Step 1:
Discovery Session

Our first conversation will be roughly 45 minutes. It helps us to differentiate your wants and needs in order to plan efficiently.

Step 2: Planning for your financial future | New York NY | Coastal Independent Advisors
Step 2:
Planning Phase

We’ll then conduct an efficiency review in which we learn about your current standings and plan. We will then provide you with our thoughts in return. 

Step 3: Implement financial strategy | New York NY | Coastal Independent Advisors
Step 3:
Implementation Phase

Once we’ve built your bucket plan, we will implement everything that’s been discussed, putting to work the details covered.

Step 4: Monitor financial growth | New York NY | Coastal Independent Advisors
Step 4:
Monitoring & Ongoing Advice Phase

Your holdings, allocations, and more are constantly monitored by our team. We will conduct review sessions quarterly, or as needed. Anytime you have questions, we will be available to address your needs. 


Ready To Get Started?

We will help create a plan that works for you, and will continue to ensure that it is successfully carried out.


Let’s Begin

Client Login

Are You a Current Client?

Client accounts are held by Pershing, a BNY subsidiary, and can be directly accessed below:


Login

What Are Your Biggest Financial Goals?

Discover How We Can Help

Schedule a Meeting Now

Based in New York, NY, we connect with clients in person and virtually, based on your location and preference. By scheduling a 30-minute introductory call, you’ll have the opportunity to learn about our efficient model and bucket planning strategies. You can evaluate if we are a fit for your needs, and we can determine if you are a fit for our program.

Please note: Our minimum household value of accounts managed is $500,000. Exceptions to this minimum are possible if the household value will reach $500,000 in the near term.



Contact Us