THE GOAL OF A FINANCIAL PLAN IS TO ANSWER EVERY QUESTION YOU HAVE AND THE ONES YOU DON’T KNOW TO ASK

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TO BE TRULY EFFECTIVE, WEALTH MUST SERVE YOUR PURPOSE

Cross Coastal Advisors is a comprehensive financial planning and advisory firm committed to helping our clients improve their long-term financial success. Our tailored planning process is designed to help create, accumulate, and preserve our clients’ wealth and lifestyle by delivering an unprecedented level of personalized service and expertise.

We encourage you to explore our site and learn more about our approach and the services we provide. Should you have any questions or if you would like more information about our firm, please feel free to contact us. We look forward to hearing from you.

STEPHEN JOHNSON, CFP®, CLU®, CLTC

(781) 400.8685
stevejohnson@crosscoastaladvisors.com

A Partner at Cross Coastal Advisors, Steve has maintained an unparalleled enthusiasm and genuine passion for holistic planning and wealth accumulation for over a decade. Steve is a consummate professional who focuses on the individual needs of his clients. When you work with Steve, all of your finances are coordinated and integrated. Various strategies are designed and evaluated, allowing him to create economically efficient solutions that serve your true purpose.

Steve made the transition to Cross Coastal Advisors with a goal of expanding his practice further.  He specializes in serving those in the medical community as well as those who own closely held businesses.

Learn more about Steve

PHYSICIANS

As a physician, you work hard completing undergrad, med school, residency, and fellowship, and when it is all said and done more time has been put into crafting your skill set than any other career path out there.

When it comes to finances, you may feel there is some catch up work to do. Many times, decisions need to be made during key transitions that happen within a blink of an eye. Experience confidence and affirmation knowing you are living your life by design, and every decision you make is aligned with your philosophy.

We are passionate about guiding our clients through key transitions and milestones:

  • Do I accept a private practice job where the salary will be higher, or do I accept a non for profit job and go after loan forgiveness?

  • How do I balance saving for my future as well as paying off my student loans?

  • How do I know my first contract and compensation package is fair?

  • How do I figure out RVU targets, and will I be able to maintain a work life balance?

  • How do I budget properly when my income goes up 4x – 10x after training?

  • How much house can I afford without feeling cash poor? What about physician mortgage loans?

  • How much do I need to save for financial independence, college tuition for my kids, and other key life events?

Decision fatigue can make all the options very daunting for those that lack the time to manage their financial affairs. Our job is to simplify these choices in a way that makes it easy for you to make confident and empowered decisions.

Establishing Early Success in Your Financial Life From Residency to Retirement

Foundational Planning

  • Student loan gameplan

  • Creating a budget/ Emergency fund

  • Saving for your first home

  • Life & Disability Income Insurance review

  • Home & Auto Insurance review

  • Saving and Investing for your short, mid and long-term goals

Comprehensive Financial Plan*

  • Cash flow analysis

  • Student Loan Deep Dive (Loan Evaluation, Applying for PSLF & Eligibility, Making Qualified Payments, Staying Compliant with the Department of Education)

  • Net worth summary

  • Retirement income and savings strategies

  • Full investment analysis

  • Goals analysis

  • Survivorship & estate planning analysis

  • Income protection analysis

  • Review of personal tax returns

  • Charitable giving analysis

  • Full Property & Casualty analysis (To be conducted by independent third party)

    *Annual Planning Fee

This is for educational purposes only. Student loan services are not offered through Cross Coastal Advisors nor MMLIS. Neither MML Investors Services, LLC nor any of its subsidiaries, employees or representatives are authorized to give legal or tax advice. Consult your own personal attorney, legal or tax counsel for advice on specific legal and tax matters.

INDIVIDUALS & FAMILIES

We provide a variety of comprehensive financial solutions to clients who range from highly successful young professionals to ultra-high net worth families. Learn more

BUSINESSES & ORGANIZATIONS

We offer a broad range of business financial planning services and solutions to small, mid-sized and large companies. Learn more

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