What We Do

Create a More Confident Future

Most advisors focus on accumulation strategies.  But with people living longer, you can’t ignore the fact that you may spend several decades in retirement as well.

That’s the “harvesting” portion of your financial life, and that requires significant attention.  Why?  There are a lot more challenges today than there were in the past:

  • You may live much longer than you expect
  • Few people have pensions with guaranteed incomes
  • Interest rates linger near generational lows, so you can’t count on fixed income investing alone

In today’s and tomorrow’s world, your money needs to last.  That’s why at Oliver Wealth Management, we pay attention to all parts of your financial life:

  • The accumulation phase, when you are investing for the future
  • The harvesting phase, when you are living off your investments and other income sources

Both are equally important, and both require careful planning and risk management.  

What Should You Expect?

Do expect….DON’T expect….
Intensive planning.
We’re here to help you preserve your assets no matter what the stock market does. That requires planning and strategy. We take an institutional approach to help you avoid outsize losses and make your money last.
A passive approach.
Buy and hold has its place, but when you are nearing retirement, you can’t afford to be passive. So we help you strategically harvest your assets, so you can generate the income you need without sacrificing the future.
A higher standard.
Your future is critical, so we don’t take chances with your money. Instead, we utilize the same prudent ‘best practices’ required of those who manage public or retirement plan money.
The next hot trend.
Outsize risks can sometimes work during bull markets, but you can’t base your future on them. Instead we focus on real wealth building strategies, where you’re not risking money chasing what’s popular.
Real expertise.
We’ve helped many clients improve their futures over the years. We’ve got the education, experience and knowledge needed to guide you through the process .
Sales pitches.
We act as your fiduciary, so we’re your advisor. We don’t sell anything…we simply give you sound advice. We’ll also recommend the least expensive products to achieve your goals.
Peace of mind.
We help you minimize financial stress and replace it with peace of mind and confidence. Through real risk management and smart planning, you’ll always know where you’re going and your next steps.
Feeling nickel-and-dimed.
Fees matter. That’s why we have simple, transparent fees and no surprise bills. That keeps more of your money working for you.

Keeping You Informed

Your money is important, so you need to have constant support.  You’ll have our specialized client dashboard and tools for 24/7 access to your financial information.  Then we’re available to you anytime to help with financial decisions.  That’s all included since our services include unlimited support.  That way, you can call, email or text us when you need us.

Retirement Planning and Funding

Committed to helping you do it right

Our unique asset harvesting strategies help you better control your retirement cash flow, so you can relax and enjoy life.

Retirement looks different today than it did thirty years ago.   It might mean putting your feet up and relaxing more, or it might mean simply switching gears and enjoying new pursuits.

Whatever it means to you, Oliver Wealth Management is committed to helping you do it right.  We want to help you make sure your money will be there for you, so you can do what you love.

Our approach to retirement planning and funding is personalized and thorough. Here’s what to expect:

  • We’ll get to know you, your goals and your current financial position.
  • We’ll analyze your current financial position.
  • We’ll explore your options and offer recommendations for establishing a solid financial plan, including your investments and cash flow.
  • We’ll cover healthcare concerns and establish contingency plans for a surviving spouse so that this transition is made in the most efficient and worry-free manner.

Harvesting Strategies

Once you’re nearing retirement, we’ll focus on developing a smart harvesting strategy to help your money last longer.  That involves prioritizing where you take money from, so you continue “selling high” and “buying low” whenever possible.  We’ll also plan so that the strategy maximizes tax benefits, to further help your money stretch farther.

Once the plan is in place, you’ll have our online platform to easily see where you are at all times.

Frequent Check-Ups

Your life will change frequently, so your plan will need to be adjusted too.  That’s why we have an open meeting policy. Whether that’s face-to-face, over the phone, or virtually, you can schedule a meeting with us at any time. Of course we schedule review meetings on a regular basis and you can choose how much or how little you would like to meet.

Investment Management

Focusing on smart strategies

We use institutional-style risk management to help you protect what you’ve built and achieve more consistent returns.

At Oliver Wealth Management, we do more to help you protect and conservatively grow your assets.

Our financial planning and investment management programs are carefully linked. We work to protect the wealth you have already accumulated by thoroughly evaluating and minimizing the risks you face. Then we establish a plan for both preserving and growing your wealth so that you can move toward your most important financial goals.

As an independent firm, Oliver Wealth Management is under no obligation to recommend specific investments or financial products. As fiduciaries, our obligation is to you, our client.

Unlike many firms, we manage your investments with true open architecture. This allows us to work closely with you to build a portfolio unique to your requirements and free from conflicts of interest.

Many financial advisory firms invest your money passively and want you to simply buy and hold.  We don’t agree with that approach.  Instead, we focus on risk control and gaining an advantage for you where we can:

  • We focus on preservation first, protect your money, so you can avoid the large losses that set people back
  • We favor conservative growth while controlling your downside risk
  • We help you understand the risks that you face
  • We’ll look for opportunities to increase your return without additional risk through tax-efficient strategies

Wall Street focuses on asset accumulation, but what happens when you retire?  At that point, you switch to harvesting mode.

Your investment decisions now can make or break your future.  That’s why we focus on smart strategies to help your money last.

At Oliver Wealth Management, we’re fiduciaries, meaning we always put your interests first.  And we always look to give you an edge in your investments:

  • We don’t use cookie-cutter models. Instead, your portfolio is fully customized to your needs.
  • We always choose low-cost investments so you can keep more of your money working for you.

Your money is important, so we make sure you are kept up to date.  We schedule review meetings on a regular basis and whether that’s face-to-face, over the phone, or virtually, we want to make your life easier. You can choose how much or how little you would like to like to be kept up to date.

And you’ll have access to our Client Portal and financial planning tools, where you can get information and review your accounts and plans, at any time.

Estate Planning

Your trusted advisors

We’ll help you build and implement a smart estate plan, so your family can be prepared for the unexpected.

Part of the value of estate planning is knowing that you are prepared for anything.  If something happens to you, you will know that your family will be prepared.

But good estate planning can do much more for you:

  • It can provide asset protection, to help keep your assets safe from business liabilities or creditors in case of a lawsuit
  • It can help you (or your loved ones) save on taxes, now and in the future

But if you only work with your attorney, you may not realize all these benefits.

As your trusted advisors, Oliver Wealth Management works hand in hand with your attorney and accountant to help formulate a smart estate planning strategy personalized to your needs.

Then once the strategy is formulated and you approve it, we help manage implementation.  So your wishes actually get put into place.

Your Peace of Mind

A sound, clearly communicated estate plan can help your loved ones make difficult transitions with confidence and protect their future quality of life.

With our guidance and support, you can be confident that your family will be well prepared for the future.

As your trusted advisors, we work hand in hand with your attorney and accountant to help formulate a smart estate planning strategy personalized to your needs.

Estate planning - Oliver Wealth Management

Ready to learn more?

Let us explain how our specialized planning strategies can help you create a more confident future.
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