- Over 40 years of experience
- Owned by the advisors who serve our clients
- 6 CFPs®, CPA, and Estate and Tax attorney to serve your diverse financial needs
- Fee-Only. Our compensation is 100% directly from our clients. We do not sell any financial products or receive any commissions.
- Fiduciary. We have ALWAYS put the best interests of our clients first.
- Access to an open platform of investment choices.
- Clients work directly with Principal(s)
- Customized portfolios and financial plans
- Multiple layers of transparency – Oakbridge, Custodian (i.e. Schwab), Investments
- Does your portfolio generally go up when the market is up and generally go down when the market is down?
- Do you own stocks and bonds of companies only based in the United States?
- Do you not own bonds because stocks typically have higher returns?
If you answered YES to any of these questions, then your portfolio may not be properly diversified. You never know which market segments or asset classes will outperform from year to year. We believe that by holding a globally diversified portfolio, you are well positioned to seek returns wherever & whenever they occur.
- Should I pick stocks and try to outguess the market or just buy the entire market?
- What is the difference between Active & Passive investing?
- How does OBP design a portfolio?
Many investors tie themselves in knots trying to figure out the best way to invest. The investment landscape has radically changed over the past few decades. Thirty years ago, over 80% of trades within US stocks were done by individuals. Now, over 80% of the trades within US stocks are done by institutions, armed with far superior data and resources than any one person trying to trade from their home computer.
At Oakbridge Partners, we look at the various investment markets independently with the goal of constructing a globally diversified portfolio in accordance with your tolerance for risk while striving to meet your goals & objectives. Our portfolios include both Passive and Active investment vehicles.
Typically, our portfolios include investments from Dimensional Fund Advisors (DFA), ETFs, as well as Actively Managed Mutual Funds. While we believe in keeping costs low, we utilize Active Fund Managers we believe should provide outperformance relative to their passive counterparts.
We have access to institutional resources such as Charles Schwab, Morningstar and Ned Davis research that help guide us to construct the right portfolio for you.
- Should I add more money to stocks because the market is going up?
- The market went down today, is it time to sell?
- Is your goal to beat the market or to ensure the success of your financial plan?
People often struggle to separate their emotions from investing. Markets fluctuate, but by reacting to current market conditions you may make poor investment decisions. Daily market news and commentary can challenge your investment discipline. Some intend to create anxiety, others want to sell you the latest investment product. While mindful of short-term news & market movements, we focus on our discipline, maintain a long-term perspective and try to help you attain your financial goals.
- Do you know what tax bracket you are in?
- Should you consider a Roth Conversion?
- Should you write a check OR give stock to your favorite charity?
- Will you be subject to AMT tax this year? What’s AMT?
Taxes reduce cash flow and diminish investment returns, thus, income tax planning is critical to any well designed financial plan. Through Income Tax Planning & Strategies we proactively look for opportunities to reduce your tax burden. In addition, we strive to coordinate a client’s investment portfolio with their financial plan to maximize tax efficiency. We welcome an open dialogue with your CPA to ensure that you are proactively prepared for each unique tax year.
Estates & Trusts
- When was your Will last updated?
- Should you create a Revocable Living Trust?
- Do your accounts have current beneficiary designations?
- Do your loved ones know how to access your documents and accounts?
Estate and Trust decisions tend to be overlooked because they often involve someone looking beyond their own life. Proper Estate and Trust planning is critical to ensure that assets pass to heirs as intended and unnecessary taxes are avoided. Federal and State laws change from time to time so it is critical that your documents stay current as well. We can provide you with an objective view of your current documents and help you think through the various Estate and Trust options available.
- Do you know how much you spend each month or each year?
- Do you know how much you should be saving to reach your financial goals?
- Are you funding lifestyle expenses from your investment accounts in the most efficient way?
- Does an inheritance impact your spending?
For most people, growing their investments is necessary to provide them cash flow later in life. We believe that cash flow is the most important component of a financial plan and the one that clients typically have the most control over. Every client’s spending habits and goals are different. Let us help you create a customized spending and savings plan based on your financial needs and resources.
- Do you have enough life insurance coverage or too much?
- Is Whole Life or Term more appropriate to own?
- Are you considering purchasing an Annuity?
In many cases, people are sold policies that require large premiums, limit flexibility and contain high internal costs. We are completely objective to our client’s insurance needs because we do not sell insurance products or receive commissions. If we think you need more insurance we will make recommendations on what type of product to buy, and how much coverage you may need. We also review client’s disability insurance, auto insurance, home insurance, umbrella coverage and health insurance.
We can analyze the right type of coverage for you, and connect you with trusted external insurance agents to fulfill your insurance needs.
- Do you know how much you need to save each year for retirement?
- Should you invest, pay down debt, renovate your home or save for college with any surplus cash?
- How much should you contribute to your 401(k) and/or Deferred Compensation Plan?
- When is the best time to exercise your stock options?
Received a bonus payout. Stock Options vested. Big promotion with higher salary. We often meet with people during their prime earning years who are now able to grow their wealth but may not be confident that they will make the right decision. We provide guidance as to the best use of your excess cash flow in accordance with your financial plan; this could mean paying down debt, maximizing savings, or making major purchases.
- Have you saved enough for retirement? When can you retire?
- What payout election should you make on your company pension?
- What withdrawal rate can your portfolio support?
- You just sold your business, now what?
Your retirement plan is unique to YOU. There are several variables that influence YOUR financial plan such as retirement age, spending, level of investment risk and any desired amount left to heirs. Retirement is the “big day” for your financial plan. The employment income source is turned off and your assets and other retirement income sources are turned on. You move from the “Accumulation” phase to the “Distribution” phase.
WHEN to retire might be younger or older than you think. We provide you with several different “paths” for retirement, discuss the pros and cons of each and allow you to choose the path that is best aligned with your goals and values.
- How much do you need to save each year to pay for college?
- Should you open a 529 Plan or a Custodial account for your child?
- Should family members fund or open an Education Account for your child?
Saving for college is both a top worry and top priority for many families. The cost of college has skyrocketed over the past few decades. Fortunately, there are tax advantaged ways to save and pay for college that could also be shared amongst family members such as grandparents, aunts/uncles, etc.
We can customize your financial plan to answer the “how?”, “when?” and “how much?” questions related to college saving. Student loans can be utilized if needed to transfer some of the financial obligations from parents to adult children. Further, the rise of online and vocational schools have provided many people with added flexibility when it comes to the financial hurdle of paying for college.
- Should you take Social Security at age 62, full retirement age or delay until age 70?
- What is a Delayed Retirement Credit?
- Do you or your spouse qualify to file a Restricted Application?
Social Security income usually is a significant portion of a retiree’s cash flow. Making an informed decision on when to receive this benefit can protect a person or family from “leaving money on the table”. Many people elect Social Security at an age earlier than full retirement age, thus, receiving a permanent reduced benefit for themselves AND potentially their surviving spouse. We help you analyze the various Social Security options available to maximize your benefits.