INVESTMENT MANAGEMENT

Oak Wealth Advisors' Investment Principles are based on decades of investment research and market experience.  There are five key concepts and six implementation guidelines.

Oak Wealth Advisor's Golden egg Rule

Five Key Concepts

MARKETS WORK

Trying to “beat the market” leads to frustration and unnecessary expenses.

AVOID CONFLICTS OF INTEREST

Work with independent investment professionals who provide objective advice.

DIVERSIFICATION IS ESSENTIAL

Asset allocations which are global in scope and encompass multiple asset classes can neutralize the risks associated with individual securities and markets.

RISK AND RETURN ARE RELATED

You must be willing to accept more risk in order to pursue greater returns.

PORTFOLIO STRUCTURE WILL DRIVE PERFORMANCE

The asset classes included in a portfolio will be responsible for most of the variability of the portfolio's return.


Six Implementation Guidlines

1. Reduce Investment Expenses
2. Minimize Taxes and Turnover
3. Demand Transparency
4. Diversify Systematically
5. Maintain Investment Discipline
6. Think Long-Term

 

FINANCIAL PLANNING

In striving to help our clients make the most of their time and their money, Oak Wealth Advisors offers assistance in a number of areas of financial planning.

Services

Retirement Planning

We project your future cash flows and net worth, analyze retirement account distribution alternatives, evaluate health insurance coverage, and simplify your accounts

Cash Flow Planning

We evaluate what withdrawal rates are sustainable for your portfolio, introduce tax-advantaged distribution strategies, and analyze current versus future lifestyle expenses

Wealth Transfer / Estate Planning

We explain and contrast various asset protection and gifting strategies, coordinate your goals and intentions with attorneys, and implement the changes to your accounts and beneficiaries based on your estate documents

Charitable Gift Planning

We discuss your current and future charitable intentions, illustrate various transfer strategies, compare benefits and requirements of private foundations, charitable trusts, and donor advised funds

Risk Management / Insurance Planning

We estimate your insurable needs and existing coverage, compare current insurance policies with alternative structures, and discuss exposed financial risks

Income Tax Planning

We actively harvest tax losses in the taxable investment accounts we manage, review itemized deductions, and coordinate tax minimization strategies with accountants

Compensation & Benefits Planning

We analyze corporate stock option and restricted stock plans, compare health and disability insurance coverage alternatives, and evaluate deferral plan opportunities