Independent Financial Advisors Serving Charlotte, SouthPark & Lake Norman
Oasis Wealth Planning is a fee-only, fiduciary RIA serving Charlotte-area near-retirees, retirees, and widows — with local advisor presence and the depth of a fully credentialed senior planning team.
Leading our Charlotte client relationships are our Wealth Advisors, Brandon Seibel, CFP®, and Steve Martin, CFP®, CPA, JD, LLM. Brandon and Steve began their respective careers in Charlotte, and are complemented by the full Oasis team, allowing them to bring the depth of the firm's expertise to every Charlotte client relationship.
Together, Brandon and Steve work alongside Gosia Guziak and the broader Oasis team to serve Charlotte-area near-retirees, retirees, and widows — meeting in-person at our SouthPark or Mooresville offices, or by secure video from wherever you are.
Charlotte clients come to us asking:
- Am I truly on track for the retirement I've envisioned?
- How do I build a reliable income stream I won't outlive?
- When should I claim Social Security, and how does it affect my taxes?
- How do I minimize taxes through Roth conversions and withdrawal sequencing?
- What is the right investment mix for my stage of life?
- How do I leave a meaningful legacy without unnecessary tax consequences?
- I'm a widow — where do I even start?
Finding a truly independent, fee-only financial advisor in Charlotte is harder than it should be. Oasis brings a genuinely fiduciary, tax-integrated approach to Charlotte families — a welcome alternative to commission-driven advisors at banks and major brokerage firms.
The Fee-Only, Tax-First Difference
- 100% fee-only — no commissions, no hidden incentives, ever
- Fiduciary at all times — legally required to put you first
- Local Charlotte advisor leads your relationship personally
- Senior CFP®, CPA, JD expertise behind every plan
- Steve Martin has deep Charlotte roots — Ernst & Young alumni
- CFP®, CPA, JD, LLM, CFA credentials on team
- SouthPark and Mooresville / Lake Norman offices
- In person or by secure video — statewide
Helping Charlotte families plan, invest, and navigate retirement — with confidence.
NAPFA & ACP Members · Garrett Planning Network · CFP® · CPA · JD · LLM · CFA
Your Personal CFO. One Integrated Team.
Your Charlotte relationship has a primary Personal CFO — backed by senior financial, tax, and legal expertise that takes decades to build.
Brandon is the primary point of contact for many of Oasis's Charlotte clients. This means he knows your financial life, your family, and your goals. He brings a genuine, attentive approach to every relationship and works closely with Steve Martin and the broader Oasis team to bring the full depth of the firm's expertise to every question.
Brandon's focus areas include retirement income planning, investment strategy, tax planning, Social Security analysis, and comprehensive planning for near-retirees and retirees.
Steve founded Oasis on the conviction that people approaching retirement deserve financial advice that is completely independent, deeply tax-aware, and entirely focused on their best interest. He began his career at Ernst & Young in downtown Charlotte, advising executives and business owners across the Carolinas — a foundation that shapes how Oasis understands this market.
Steve provides senior oversight for Charlotte client relationships and directly engages on complex tax strategy, estate planning coordination, and investment committee decisions.
Gosia graduated summa cum laude in Financial Planning and built her practice around proactive tax planning and deep client relationships. She brings particular care and expertise to women navigating financial transitions — female executives, widows stepping into primary financial decision-making, and families seeking a thoughtful, integrated plan.
Her clients consistently describe her as the advisor who finally made everything make sense.
What Charlotte Clients Get That Most Advisors Cannot Offer
Truly Fee-Only
Most advisors earn commissions, fund fees, or insurance referral payments. Oasis does not. Our only compensation is the fee you pay — every recommendation is motivated by one thing: your best interest.
Charlotte Roots
Steve Martin began his career at Ernst & Young in downtown Charlotte, advising executives and business owners across the Carolinas. Brandon began his career at a national advisory firm in Charlotte, and he soon realized there is a better approach to serving clients. That foundation gives the team a passion and unique perspective in serving Charlotte-area clients.
Your Personal CFO — Tax, Legal & Planning in One
Our team brings experience and multi-disciplined training to every client relationship — functioning as a personal CFO who coordinates tax strategy, investment decisions, and estate planning as one integrated whole. Roth conversions, RMD planning, and Social Security timing are never handled in isolation.
Evidence-Based Investing — Matched Bucket Approach
We build portfolios around a disciplined matched-bucket strategy — pairing near-term income needs with stable assets and long-term growth with evidence-based, low-cost investments. Our philosophy employs an active-passive approach where the long-term research -- rather than fads - guides us.
Dedicated Expertise for Women & Widows
Gosia Guziak brings particular care to women navigating financial transitions — whether that means stepping into primary financial decision-making for the first time, or simply wanting an advisor who listens and explains clearly.
Detailed Multi-Year Financial Modeling
Our planning is projection-driven. We build detailed, multi-year financial models that stress-test your retirement across market downturns, tax impacts, and longevity risk. Those projections drive our team's recommendations — because integrated planning that adjusts as your internal and external situation changes is where we can add significant value.
Fee-only. Fiduciary. Charlotte roots. Never a commission — ever.
Serving Charlotte · SouthPark · Lake Norman · Mooresville · Ballantyne · Huntersville · and the Carolinas statewide by video
We Meet You Where You Are — In Person or by Video
Two professional meeting locations in Charlotte and Lake Norman, available by appointment. Or meet by secure video from wherever you are in the Carolinas.
SouthPark — Charlotte
Mooresville — Lake Norman
Prefer to Meet from the Comfort of Home?
Many of our Charlotte-area clients choose to meet by secure video — it saves the commute, it's easy for both spouses to join, and we can share screens to walk through your financial plan together in real time.
Whether you're in SouthPark, Ballantyne, Lake Norman, or anywhere in the Carolinas, video makes it simple to connect with a fiduciary advisor without leaving home.
Resources for Charlotte, SouthPark & Lake Norman Families
Three articles worth reading before your first conversation with us.
The transition from saving to spending is one of the most consequential financial shifts you will make. Here is how Charlotte-area near-retirees can build a reliable, tax-efficient income plan designed to last a lifetime.
Claiming at 62 versus 67 versus 70 is one of the most consequential decisions a Charlotte retiree will make. This article walks through the key variables: health, spousal benefits, other income, and your overall tax plan.
Understanding the difference between fee-only, fee-based, and commission-based advisors may be the most important thing a Charlotte family can do before choosing an advisor. A plain-English explanation.
Ready to start the conversation? No obligation. No pressure.
Serving Charlotte · SouthPark · Lake Norman · Mooresville · Ballantyne · and the Carolinas statewide by video | 704-936-0091