Independent Financial Advisors Serving Chattanooga & Surrounding Communities
Oasis Wealth Planning is a fee-only, fiduciary RIA serving Chattanooga-area near-retirees, retirees, and widows — with a downtown meeting location and the depth of a fully credentialed senior planning team.
The Oasis Chattanooga team is led by Steve Martin, CFP®, CPA, JD, Mel Bond, CFP®, CFA, and Gosia Guziak, CFP® — advisors who bring decades of combined experience in retirement income planning, tax strategy, and investment management. We meet clients at our downtown Chattanooga office in the Tallan Financial Center, or by secure video from wherever you are in the region.
We serve near-retirees and retirees who typically have between $1 million and $10 million in investable assets and want comprehensive, tax-integrated guidance from advisors legally required to act in their best interest — and who never earn a commission of any kind.
Chattanooga clients come to us asking:
- Am I on track for the retirement I've envisioned?
- How do I create a reliable income stream I won't outlive?
- When should I claim Social Security, and how does it interact with my other income?
- How do I minimize taxes through Roth conversions and smart withdrawal sequencing?
- What is the right investment mix for my stage of life?
- How do I coordinate Medicare with my retirement date?
- How do I leave a meaningful legacy without unnecessary tax consequences?
Oasis is proud to bring a genuinely fiduciary, CPA-integrated approach to Chattanooga families — a welcome alternative to commission-driven advisors at banks and 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
- CPA on staff integrates tax planning with every investment decision
- Senior CFP®, CPA, JD, CFA expertise on your team
- Holistic, integrated approach to your full financial life
- Downtown Chattanooga office — or meet by secure video
- NAPFA, ACP and Garrett Planning Network members
Helping Chattanooga families visualize, plan, and navigate retirement.
NAPFA & ACP Members · Garrett Planning Network · CFP® · CPA · JD · CFA
Senior Advisors. Deep Credentials. One Integrated Team.
Chattanooga clients work directly with our senior advisors — available in-person at our downtown office or by secure video from anywhere in the region.
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. With credentials spanning CFP®, CPA, and JD, he brings a rare combination of financial planning depth, tax expertise, and legal insight to every client relationship.
Steve provides senior oversight on complex tax strategy, estate planning coordination, and investment committee decisions for Chattanooga clients.
Mel brings decades of investment management experience to the Oasis team. Holding both the CFP® and CFA designations — among the most rigorous credentials in financial planning and investment management — Mel oversees our evidence-based portfolio construction and retirement income strategies for every client relationship.
Gosia believes financial planning works best when it is both practical and deeply personal. She partners closely with clients to build retirement strategies that are actionable, realistic, and focused on long-term goals. She brings particular care and expertise to women navigating financial transitions — widows, female executives, and families seeking a thoughtful, integrated plan.
What Chattanooga 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.
Fiduciary, Always
As a Registered Investment Advisor, Oasis is legally required to act in your best interest at all times — a higher standard than the "suitability" standard that applies to many broker-dealers and bank advisors.
Your Personal CFO — Tax, Legal & Planning in One
Steve Martin brings CFP®, CPA, and JD credentials 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 approach blends active and passive strategies where each adds the most value, driven by research rather than guesswork.
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, inflation scenarios, and longevity risk. Those projections drive every recommendation — because integrated planning over time is where the real value of a fiduciary advisor is found.
A Fully Credentialed Team
Our investment committee holds CFP®, CFA, CPA, JD, and CKA credentials — 150+ years of collective experience. That depth is behind every Chattanooga client relationship, not just the advisor across the table.
Fee-only. Fiduciary. Tax-focused. Never a commission — ever.
Serving Chattanooga · Ooltewah · Signal Mountain · Hixson · Collegedale · East Brainerd · Cleveland · and the greater Tennessee Valley
We Meet You Where You Are — In Person or by Video
Professional meeting space in the heart of downtown Chattanooga, available by appointment. Most clients across the region find that a secure video meeting works just as well — and saves the drive.
Tallan Financial Center
Prefer to Meet from the Comfort of Home?
Many of our Chattanooga-area clients choose to meet by secure video — it saves the drive downtown, 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 Ooltewah, Signal Mountain, Hixson, or anywhere in the Tennessee Valley, video makes it simple to connect with a senior fiduciary advisor without leaving home.
Resources for Chattanooga & Tennessee Valley Families
Three articles worth reading before your first conversation with us.
The shift from saving to spending is one of the most consequential financial transitions you will make. Here is how our matched-bucket approach helps Chattanooga retirees build a reliable, tax-efficient income plan designed to last a lifetime.
Claiming at 62 versus 70 can mean a difference of hundreds of thousands of dollars. We walk through the key variables — health, spousal benefits, other income, and your overall tax plan — before you make this irreversible decision.
Understanding the difference between fee-only, fee-based, and commission-based advisors may be the most important thing a Chattanooga family can do before choosing an advisor. A plain-English explanation.
Ready to start the conversation? No obligation. No pressure.
Serving Chattanooga · Ooltewah · Signal Mountain · Hixson · Collegedale · Cleveland · and the Tennessee Valley | 615-933-3316