Built for next-generation owners.
STRAIGHT SHOOTERS
Price transparency
We gouge you with hidden fees. No, we are transparent with our advisory fees. What you see below is what you’ll be charged by us. “1% is 1%,” as we say. We don’t have “additional advisory fees” of any sort.
Please note: Certain investment funds have a fee, which does not get paid to us. We can choose together to avoid those, or you can confirm you are okay with them. No surprises.
Fee-only
Fiduciary
No hidden fees
Comprehensive
Flat fee planning
No commissions
Fiercely independent
straight shooters
Price lock
We keep raising our rates on you as we go. No, the fee schedule you agree to when you onboard with us is what you will keep as we work together for years and decades.
Please note: It’s possible that we raise our fees in the future, but those fee increases will not apply to those who are already Clients. What you agree to is what it’ll be. No surprises.
“You can’t do that!”
– Legacy Advisors probably
services for business owners
Business owners get the Gold
- Gold gets you the Bronze and Silver services and integrates business finances into your financial plans. You get both Personal Action Plans with Next Steps and Business Action Plans with Next Steps — plus, you get 401(k) Checkups, specific and actionable business advice designed to improve the value of your business, and access to financial workshops for your workforce.
- Every client also receives Risk & Tax Mitigation embedded in their investment management and financial planning.
let’s talk details
Investment Management
“I want you to professionally manage my investments for me.”
Portfolios with Objectives
$0/yr
Included with Personal Wealth
Included with Business Wealth
Business owners get our Investment Management service too. It is the same as what was described for Households, but of course we tailor the investments to you, and consider your business, when we decide which portfolios are suitable to you and your situation.
Click to review what you get with our Investment Management service.
What you get with Investment Management:
✓ We manage your stocks, bonds, funds, HYSAs, Alts, and select private market deals.
✓ Portfolios for your feeling about risk: Very Cautious, Cautious, Moderate, Aggressive, and Very Aggressive.
✓ No investment management fee (“0% AUM”) for Financial Planning Clients.
✓ Portfolios with special objectives: Value, Growth, Dividends, Thematic, Pre/Retirement.
✓ Asset suitability, allocation, path, sector, risk, and concentration analysis.
✓ Held-away asset analysis, such as real estate, crypto, insurance, and pensions.
✓ Get a free Portfolio Checkup for one held-away portfolio per year. Great for held-away 401(k)s.
Dazzle and/or overwhelm me a bit with additional information, please.
Asset types we support:
- Traditional assets
- Alternative assets
- Real estate funds
- Crypto funds
- Private deals
Account types we support:
- Roth IRAs
- Rollover IRAs
- Traditional IRAs
- Back-door IRAs
- Retirement Trust
- Beneficiary IRAs
- Beneficiary Roth IRAs
- High yield cash accounts
- Joint brokerage accounts
- Trust brokerage accounts
- Individual brokerage accounts
Accounts for children we support:
- UTMAs
- UGMAs
- Minor IRAs
- Minor Roth IRAs
Business investment accounts we support:
- SEP IRAs
- SIMPLE IRAs
- Solo 401(k)s
- Roth Solo 401(k)s
- Partnership accounts
- Sole Proprietorship accounts
- LLC, C Corp, S Corp accounts
- Non Profit Organization accounts
Included beneficial services:
- Tax-loss harvesting
- TSP to IRA rollovers
- 401(k) to IRA rollovers
- In-Plan Roth conversions
- IRA to Roth IRA conversions
- TSP to Roth IRA conversions
- Back-door Roth conversions
- Mega backdoor Roth conversions
- SIMPLE to Roth IRA conversions
- 401(k) to Roth IRA conversions
- SEP to Roth IRA conversions
- 529 to Roth IRA transfers
SERIOUS QUESTION
How many financial advisors can actually say this?
“Advisors should be willing to put their money where they invest their Client’s money, like I do.”
– Matt Oberdorfer, OIC Financial advisor and owner on investing in the same portfolio holdings as Clients
let’s talk details
Business Wealth
“I need my business finances on-mission too.”
Money on a Mission.
$2,500-$10,000/yr*
What you get with Business Wealth:
✓ Everything in Personal Wealth
Click to review what Clients get with Personal Wealth.
What you get with Personal Wealth:
✓ A personalized, comprehensive, massive financial plan that uses priorities and goals, gives every dollar a mission, gets updated annually, and is sure to collect dust.
✓ A Financial Action Plan with Next Steps for you to complete like a checklist, delivered quarterly!
✓ Quarterly meetings so you can keep your finances on-mission.
✓ Tax strategy and planning, including 3 years of past tax review to check for potential missed opportunities.
✓ Insurance review and planning.
✓ Free real estate advice and planning.
✓ Balance sheet and cashflow planning.
✓ Equity, savings, cash burn, debt, liquidity, qualified investments, and FI advice and planning.
✓ Stock comp, education, student loans, 529s, and debt advice and planning.
✓ Estate planning, including Will, POA, Health Care Proxy, Beneficiary, and Living Trust planning.
✓ Retirement / Financial Independence (including stress testing, future cashflows, Social Security, and Medicare) advice and planning.
✓ Reduced investment management fee of 0.75% AUM.
*Financial planning Clients enjoy a reduced-fee for investment management. Investment management Clients with $1m+ AUM with OIC Financial receive free financial planning.
PLUS, Business Owners also get…
✓ Both business and personal finances are properly integrated into your financial plan, which is still collecting dust but comprehensively enabling your Action Plan.
✓ A Business Financial Action Plan with Next Steps for you to complete like a checklist, delivered quarterly!
✓ Investment management is included for free (“0% AUM”).
✓ Retirement plan analysis and advice for 401(k)s, SEPs, and SIMPLEs
✓ Annual business valuation.
✓ Launch, growth, and exit planning and strategy designed to increase the enterprise value of your business.
✓ Diversification planning and strategy designed to manage risk and maintain earning power.
✓ Strategic decision-making sessions with an objective teammate who already understands your financials and goals.
✓ Succession planning.
✓ Discounted quarterly workshops for your workforce.
*Financial planning is a flat fee. Fees are based on complexity. There is no charge to manage your investments. For example, a $500,000 portfolio at 1% AUM would cost you $5,000 per year, but it’s included free with your Financial Planning.
This is next-gen fiduciary advice at wOrk
Advice aligned with your mission — not your assets
“Our flat-fee structure means planning is done in your best interest—even if it means directing assets away from us.”
– Matt Oberdorfer, Oberdorfer Financial advisor and owner on being a next-gen advisor not charging planning Clients AUM fees for investment management.
let’s talk details
Financial Workshops
“Can you help my workforce too?”
Recruit, retain, and show ’em you care.
$10-20/mo/employee
Group Rates available too
Here’s who’s invited to the Workshop:
✓ W2 Employees
✓ 1099 Contractors
✓ Other Key Personnel
Every Quarter
• 30 minutes of education on key financial concepts important to every individual and family.
• 60 minutes of hands-on workshop to actually begin implementation of the education presented.
Q1 Getting Your Taxes Ready for April
Q2 Awesome Guidelines for Your Budget
Q3 Understanding Insurance and Why It’s Important
Q4 Investing for Retirement (and Enrollment Season, if appropriate)
Stand out in a meaningful way
✓ Recruit top talent.
✓ Retain your top talent.
✓ Show your workforce you care.
Let’s talk details
Your service calendar
After onboarding, we move into your service calendar — designed to keep every dollar on a mission and at a tempo you can actually sustain.
Business Wealth clients get Personal Wealth services (tan) plus more (gray).
I was dazzled by that picture, but I’m more of a reader
Q1 — Start off the year with an updated mission.
Personal Wealth
1. Insurance review & planning
2. Tax strategy & planning
3. Investment review & planning
4. Personal Action Plan with Next Steps
Business Wealth
Personal Wealth items, plus
5. Business Finances integrated
6. Business Financial Action Plan with Next Steps
7. Financial Workshop
Q2 — Build momentum and make some adjustments.
Personal Wealth
1. Financial Fitness progress & planning
2. Cashflow & Debt strategy & planning
3. Personal Action Plan with Next Steps
Business Wealth
Personal Wealth items, plus
4. Business Finances integrated
5. Identify and capture business value
6. Business Financial Action Plan with Next Steps
7. Financial Workshop
Q3 — Keep a great year of missions going.
Personal Wealth
1. Investment review & planning
2. Alts & Real Estate review & planning
3. Personal Action Plan with Next Steps
Business Wealth
Personal Wealth items, plus
4. Business Finances integrated
5. Launch, Growth, or Exit planning
6. Business Financial Action Plan with Next Steps
7. Financial Workshop
Q4 — Finish the year and missions strong.
Personal Wealth
1. Charitable Giving planning
2. Estate review & planning
3. Personal Action Plan with Next Steps
Business Wealth
Personal Wealth items, plus
4. Business Finances integrated
5. Business valuation assessment
6. Succession review & planning
7. Business Financial Action Plan with Next Steps
8. Financial Workshop
Let’s put your Money on a Mission together!
I won’t actually hold your hand.
Next Step → Contact Us
Keep moving forward with purpose—tap the button below to kick the tires and light the fires!