You're busy trying to juggle family and career while keeping it all straight.  You've worked hard to get to this stage and are still climbing, but you know it is time to get more intentional about your finances and planning for life's important issues.  Life is not slowing down, but you will be ready.   

General overriding concerns for mid-career individuals include:

• Am I on track for retirement?
• How do I properly balance today and tomorrow?
• How can I reduce my heavy tax burden? Are there creative strategies that I am missing?
• Should I accelerate my college funding?
• How do I coordinate my employer 401(k) with my outside investment accounts, 
• What is the optimal asset allocation for growth in a smart manner?

A Roadmap for Gen X and Gen Y. At Oasis, we walk alongside you because we are there as well. No matter if you have made all the right decisions or are looking to steer the ship straight, we are there to consult, encourage, and coach.   A holistic financial plan is a great first step to help address pressing issues and provide a roadmap for your future.

Successful business owners and executives must wear many hats.  The tactics of the day-to-day serving customers and managing employees can leave precious little time for longer term concerns like the sale or transition of the business. This can be a mistake.  Exit planning along with mergers and acquisitions should be an ongoing consideration while building and growing your business. 

Thoughtful planning can help answer questions like:   

•  What is the value of my business, and how does that impact my retirement and estate plan?
• Is my buy-sell agreement up to date, and does it still accomplish my goals?
• If I wanted to transfer my business to my children, what are my options? 
• If I plan to sell my business in 5–10 years, what should I be doing today to maximize my hard work?
• Is my capital structure adequate for my long-term goals?
• How might estate taxes impact by business?      

We have helped define answers to questions like these for a variety of business owners with company valuations ranging from $1 million to over $100 million.  This work has included companies in diverse industries including car dealerships, real estate, manufacturing, engineering, technology, health care and others.  If you’d like help aligning your personal finances and your business interests, we’d love to be a resource for you.  

You've spent the last few decades in your career and perhaps you have raised a family, saving where you can to plan for the long-term. It's been a whirlwind and now retirement that was once in the distant future is around the corner. You only retire once (ideally) so you know you have to get this right. A successful retirement is dependent on both financial and financial issues, and you are looking for help with a variety of issues as you make some of the most critical decisions in your life.

General overriding concerns for Near Retirees:

• Can I retire when I want to?
• What are the trade-offs of retiring earlier rather than later?
• Regardless of finances, how do I determine my purpose in retirement?
• What is a reasonable spending level in retirement based on alternative scenarios?
• What are some key tax strategies I should consider as I get ready for retirement?
• What is the optimal asset allocation for my portfolio in light of the need to begin to draw from my portfolio in a few years?

A Roadmap for the Near Retiree. At Oasis, we help you ask the right questions, spot gaps that may exist in your current plan, and provide a roadmap for both the short-term and long-term. Detailed financial modeling with that provides various what-if scenarios that integrates tax planing and investment advice may be the exact type of consultation you need.

Physicians and dentists face a variety of industry-specific challenges.  These include managing the nuances of a professional practice, student loan debt, tax considerations and managing risk.  These specific concerns can combine with a lack of time to deal with them to create major issues.  This makes finding the right professional advice crucial in balancing today vs tomorrow and building a long term financial roadmap.

A few common questions among physicians and dentists include:

• How can I address the impact of taxes now and in the future?
• How should I structure payments to student loan providers?
• Am I managing risk properly?
• How can I better manage cash flow for my practice?
• What are the implications of my practice’s buy-out terms?

We have worked with a wide variety of specialists including oral surgeons, urologists, oncologists, general surgeons, anesthesiologists, dermatologists, and dentists to address these and other issues.  If your backburner is already full and you’d like some help getting started, we can structure our services to put you on the right path and outline the strategies to keep you there.

You've seen a lot, but life is still beginning in many ways. You are retired and you now realize you need a second opinion. Perhaps your current advisor may be limited to advising on solely investments rather than a more comprehensive approach or you feel that now is the time to rely on professionals as you no longer have the time, energy or desire to go it alone. You know there are still critical steps to make, whether it is planning to minimize taxes or structuring your investments to withstand a market downturn. 

Developing peace of mind around retirement includes answering questions like: 

• What is a reasonable spending level for me?
• How can I get steady income without some advisor selling me an annuity? 
• Are there critical tax moves to make in my retirement? 
• Is there someone I trust that can help my spouse with my finances if I am no longer am able?
• How do I navigate the increasing medical expenses, and is my estate plan up to date to account for potential incapacity?

We have extensive experience in working with retirees.   If you are interested in clarifying your current situation, we’d love to meet you and lay out options and advice in line with your goals.  Mel and Steve would welcome the opportunity to serve you on your continued journey.

You have certain issues that you want integrated with your personal and career. You want someone that actually looks at the details of your situation and provides true consultation rather than selling product. You want someone you can trust that will put in the effort to advise and coach you based on your unique family and career aspirations.

A few common questions among professionals and engineers include:

• How can I address the impact of taxes now and in the future?
• Am I taking advantage of my benefits package?
• What are the key considerations for making a career move?
• Should I be saving more than I currently am? What if I wanted to retire early?
• How do I choose the right funds both within and outside of my 401(k)?

We have worked with professionals with high career goals while they strive to balance quality time with their family. Engineers, with their attention to detail, have relied on Oasis to provide the type of detailed analysis that they wish they would have received from other advisors. If your are looking for a hard working, multi-disciplined team that likes the analysis as much as you do, reach out to us to begin the conversation.

CLICK HERE FOR MORE DETAILS

You are looking for a trusted advisor that listens to you and provides clarity on your financial life.  While the journey may have been difficult - and may still be -- you are looking for someone that cares and will provide education and the answers that you are seeking.

After suffering the loss of a spouse, you may have the following questions: 

• Can I continue with my same lifestyle?
• Where will me income come from and will it be enough? 
• I am told to find an advisor that is a true fiduciary. How do I find one?
• Should I make changes to my estate plan?
•  Can I or should I support my grandchildren and some of my favorite charities?

Seeing the impact of widowhood firsthand, Mel and Steve have empathy for your situation and want to walk alongside you. Our experience and training in working with widows can help provide the peace and clarity you are looking for.   If you are interested in beginning a discussion with a fiduciary, the Oasis team is ready to listen. 

If you are a corporate executive trying to maximize complex benefit and compensation plans, you have a lot going on and you want experts that can deliver valuable advice in a concise manner.   Capitalizing on your hard work while minimizing the time you have to spend addressing ever-changing financial issues, you want an advisor that will be proactive and serve as a personal CFO for you and your family. 

Understanding executive compensation includes answering questions like: 

• Am I taking full advantage of all of my benefit package?
• Do I have an effective strategy around timing and tax implications when exercising stock options? 
• What role do company stock holdings play in my overall asset allocation and retirement plan?
•  How might a potential career move impact my retirement plan or benefits?

We have extensive experience in demystifying corporate compensation plans and layering strategy into every decision.   If you are interested in clarifying your current situation we’d love to meet you and lay out options and advice in line with your goals.  Many companies see the value in a third party resource like Oasis Wealth and offer a stipend for planning advice, so it is possible this advice will come at no charge to you.