Your Investments.Your Name. Your Access.
Your accounts are held at Charles Schwab in your name. Gold Coast manages your investments, while Schwab holds your assets and provides direct account access and statements.
Complimentary. No obligation to become a client.
Three Roles. Clear Responsibilities.
A custodian is the financial institution that holds your investment assets.
You Own the Accounts
Your accounts remain in your name or your trust’s name. You retain direct access to your holdings and account activity.
Gold Coast Manages
We build your portfolio, place trades and adjust investments within the authority you grant us.
Schwab Holds the Assets
Charles Schwab holds your investments, processes transactions and provides statements directly to you.
Investment Management,
With Clear Limits.
You authorize Gold Coast to buy and sell investments on your behalf as part of your ongoing wealth management relationship.
- Build and manage your portfolio
- Monitor holdings and rebalance when appropriate
- Align investments with your goals and cash needs
Your Money Stays in Your Accounts
Gold Coast does not have authority to withdraw or transfer your money, apart from the quarterly advisory fee deducted by Schwab with your authorization.
Your assets are held separately from Gold Coast’s business accounts.
See Your Accounts Directly at Schwab.
Online & Mobile Access
View balances, holdings and transactions through Schwab’s website or mobile app.
Statements From Schwab
Receive account statements and trade confirmations directly from the custodian.
Independent Visibility
Verify account activity without relying solely on reports from Gold Coast.
How Schwab Helps Protect Your Assets
Your Investments Stay Separate
Schwab keeps investments you have paid for in full separate from its own assets. They remain yours.
Protection if a Brokerage Fails
If Schwab were to fail and investments or cash were missing, SIPC protection helps recover eligible assets, subject to coverage limits.
Protection Against Unauthorized Activity
Schwab’s Security Guarantee covers losses from unauthorized account activity, subject to its terms and your account-security responsibilities.
Account protection does not cover changes in the market value of your investments.
Before You Get Started
Can I keep my existing Schwab accounts?
Yes—you can keep your existing Schwab accounts and authorize Gold Coast to manage them. We review your account types and guide you through the required authorization, so you understand what will change before getting started.
Your accounts remain in your name or your trust’s name, and you continue to receive statements and access your investments directly through Schwab. Adding Gold Coast as your investment advisor does not, by itself, require selling your holdings.
Will transferring my investments require selling them?
Many investments can transfer to Schwab without being sold. This is called an “in-kind” transfer: eligible holdings move directly from your current custodian to your Schwab account.
We review your holdings before starting, identify any investments that cannot transfer and explain your options. Moving eligible investments between accounts with the same ownership and tax treatment generally does not create a taxable sale.
Once your accounts are in place, we evaluate any portfolio changes separately, with attention to your goals, investment costs and potential taxes.
How are my investments protected at Schwab?
Your investments remain yours and are held separately from Schwab’s own assets. This applies to stocks, bonds, ETFs and mutual funds you have paid for in full. If Schwab were to experience financial difficulties, these holdings would not be available to pay its general creditors.
SIPC provides an additional layer of protection if a brokerage fails and customer investments or cash are missing, subject to eligibility and coverage limits. These safeguards protect against custody-related risks, not changes in the market value of your investments.
What happens to my accounts if I leave Gold Coast?
Your accounts and investments remain yours at Schwab. You can end the advisory relationship by providing written notice, and Gold Coast’s authority to manage your accounts is removed.
You can keep your accounts at Schwab and manage them yourself or appoint another advisor. Ending the relationship does not, by itself, require selling your investments or moving your accounts. Advisory fees apply only through the effective termination date.
Personal Investment Management. Independent Custody.
Understand how your portfolio and accounts would work with Gold Coast.
Already Have an Advisor?
Portfolio Second OpinionDon’t Have an Advisor?
Complimentary Portfolio ReviewBoth reviews are complimentary. No obligation to become a client.