Financial Advisor & Wealth Management FAQs

Gold Coast Capital Management is an independent registered investment adviser providing wealth management and investment-management services.

Our services include:

• Portfolio management
• Investment planning
• Retirement planning
• Tax-aware investing
• Financial and portfolio second opinions

Clients work directly with Dragan Mark Filipovic, CFA®, Founder and Chief Investment Officer.

Dragan Mark Filipovic, CFA®, is the Founder and Chief Investment Officer of Gold Coast Capital Management.

He brings approximately two decades of experience across investment banking, finance and wealth management.

Gold Coast was founded to provide investors with disciplined portfolio management, transparent pricing and direct access to the investment professional responsible for managing their portfolio.

Gold Coast Capital Management provides investment advice within a fiduciary relationship.

The firm does not rely on proprietary investment products, sales quotas or hidden product incentives.

Recommendations are made based on the client's circumstances and investment objectives.

Gold Coast Capital Management clients work directly with Dragan Mark Filipovic, CFA®.

There is no handoff to a junior advisor or rotating service team after you become a client.

Dragan remains directly involved in understanding your objectives and managing your investment strategy.

The term “financial advisor” can describe professionals providing different types of financial services.

At Gold Coast Capital Management, the advisory relationship is focused primarily on investment planning, portfolio management, retirement investment strategy and related wealth-management decisions.

The process begins by understanding your goals, existing investments, time horizon, risk tolerance and broader financial circumstances.

The terms often overlap. A financial advisor may provide a range of financial guidance, while “wealth management” generally describes a broader relationship involving the management of significant financial assets and related investment decisions.

At Gold Coast Capital Management, wealth management centers on connecting investment planning and ongoing portfolio management with the client's broader objectives.

Investment planning establishes the strategy. It considers questions such as what your money needs to accomplish, how much risk is appropriate, your time horizon and how existing assets should fit together.

Portfolio management implements and maintains that strategy through portfolio construction, monitoring, diversification, risk management and adjustments when appropriate.

A financial second opinion is an independent review of your current investment strategy by another financial professional.

At Gold Coast Capital Management, the review may consider areas such as:

• Portfolio allocation
• Diversification
• Investment risk
• Advisory fees
• Investment expenses
• Tax considerations
• Alignment with your financial objectives

The goal is to give you another perspective before deciding whether anything needs to change.

Yes. You do not need to leave your existing financial advisor simply to have another professional review your investment portfolio.

A second opinion can either identify issues worth discussing or provide additional confidence in the strategy you already have.

No. Gold Coast Capital Management offers a complimentary portfolio review without requiring you to transfer your investments or become a client.

The purpose of the review is to help you better understand your current investment position and determine whether further action may be appropriate.

The exact review depends on your circumstances, but areas considered may include:

• Asset allocation
• Diversification
• Concentrated positions
• Investment risk
• Advisory fees
• Investment costs
• Account structure
• Relevant tax considerations
• Whether the portfolio remains aligned with your goals

Gold Coast Capital Management charges a 0.50% annual advisory fee for ongoing advisory services.

For example, a 0.50% fee on $1 million of assets equals $5,000 annually, based on that hypothetical asset value.

Clients should review the applicable advisory agreement and regulatory disclosures for complete information regarding fees and services.

A 1% annual advisory fee equals approximately $10,000 per year for every $1 million of assets to which the fee applies.

Whether a fee represents good value depends on the services, expertise, level of access and advisory relationship provided.

Rather than focusing only on the percentage, investors should understand the annual dollar cost and what they receive in return.

Not necessarily. Investments themselves may have expenses in addition to an advisor's management fee.

Depending on the portfolio, these could include mutual fund or ETF expense ratios and other investment-related costs.

Investors should understand the overall cost of both the advisory relationship and the underlying investment strategy.

Client investment assets are independently custodied at Charles Schwab.

Your accounts remain in your name, and you maintain direct access to account information and statements through Schwab.

Gold Coast Capital Management manages the investment portfolio but does not take custody of client assets.

Gold Coast Capital Management's current advisory model allows the firm to manage client portfolios while the assets remain independently held at Charles Schwab.

Gold Coast Capital Management does not take custody of client assets and cannot simply withdraw client funds for its own use.

Clients retain direct access to their Schwab accounts.

Yes. Gold Coast Capital Management works with both retirees and people approaching retirement.

The investment process can consider factors such as portfolio risk, time horizon, future withdrawals, liquidity, investment costs and relevant tax considerations.

Yes, when the need involves investment planning and management of inherited financial assets.

Gold Coast can help evaluate an inherited portfolio, determine how newly received assets fit with existing investments and develop an investment strategy based on your own objectives.

Gold Coast Capital Management does not provide estate administration or individualized legal or tax advice.

Yes. Gold Coast Capital Management works with business owners and individuals experiencing major liquidity events, particularly when substantial personal wealth needs to be invested and managed.

For example, after selling a business, an owner may need to transition from wealth concentrated in one company to a diversified personal investment portfolio.

Gold Coast does not provide business valuation, M&A transaction services or individualized legal or tax advice.

Gold Coast Capital Management's investment approach begins with the individual investor.

Portfolios are developed around factors such as:

• Financial objectives
• Risk tolerance
• Time horizon
• Liquidity needs
• Existing investments
• Relevant tax considerations

The investment philosophy emphasizes diversification, risk management, cost awareness, tax awareness where appropriate and long-term discipline.

No. Investment strategies are developed around each client's objectives and circumstances.

Factors such as time horizon, risk tolerance, liquidity needs, existing assets and financial goals can result in different portfolio strategies for different investors.

Tax-aware investing means considering relevant tax consequences when making investment decisions.

Depending on the circumstances, that may include factors such as:

• Asset location
• Tax-loss harvesting
• Capital gains
• Portfolio turnover
• Taxable versus tax-advantaged accounts

Taxes are considered alongside investment objectives, diversification and risk rather than being allowed to dictate every investment decision.

Gold Coast Capital Management does not provide individualized tax or legal advice.

Yes. Gold Coast Capital Management serves individuals and families throughout Chicago, including investors in and around:

• Gold Coast
• Streeterville
• River North
• Old Town
• Lincoln Park
• Near North Side
• Downtown Chicago
• Greater Chicago

The firm also serves clients nationwide where properly registered or exempt from registration.

No. Gold Coast Capital Management serves Chicago-area investors as well as clients nationwide where the firm is properly registered or exempt from registration.

Gold Coast Capital Management works with individuals and families in a range of financial circumstances, including:

• Retirees
• Pre-retirees
• Professionals and executives
• Business owners
• Physicians and healthcare professionals
• Families managing inherited wealth
• Individuals experiencing major liquidity events
• Investors looking for a second opinion
• Individuals and families seeking ongoing portfolio management

The conversation begins with your current financial situation, investment portfolio and the questions you want answered.

Gold Coast Capital Management can review your existing investments and discuss areas such as portfolio construction, risk, diversification, costs and broader investment strategy.

The review is intended to provide clarity about where you stand and whether there are areas worth discussing further.

No. There is no obligation to become a Gold Coast Capital Management client simply because you request a complimentary portfolio review.

You can use the conversation to better understand your current investments and determine whether Gold Coast's approach is appropriate for you.

You can contact Gold Coast Capital Management to schedule a complimentary portfolio review with Dragan Mark Filipovic, CFA®.

Phone (847) 899-7986

Email info@goldcoastcapm.com