Built for next-generation men and women.
STRAIGHT SHOOTERS
Price transparency
We gouge you with hidden fees. No, we are transparent with our advisory fees. What you see below is what you’ll be charged by us. “1% is 1%,” as we say. We don’t have “additional advisory fees” of any sort.
Please note: Certain investment funds have a fee, which does not get paid to us. We can choose together to avoid those, or you can confirm you are okay with them. No surprises.
Flat fee
Fee-only
Fiduciary
No hidden fees
Comprehensive
No commissions
Fiercely independent
straight shooters
Price lock
We keep raising our rates on you as we go. No, the fee schedule you agree to when you onboard with us is what you will keep as we work together for years and decades.
Please note: It’s possible that we raise our fees in the future, but those fee increases will not apply to those who are already Clients. What you agree to is what it’ll be. No surprises.
“You can’t do that!”
– Legacy Advisors probably
there’s levels to this
Our service levels
OIC Financial serves Clients where they are. Households have access to our Bronze and Silver services. Whether you’re single (no judgement) or married (no judgement), the price is the same.
- Bronze provides Clients with investment management only.
- Silver adds financial planning (including our Financial Action Plans with Next Steps) to the investment management service, eliminates the investment management fee, and includes real estate advice for buyers, sellers, investors, and the real estate curious.
- Every client also receives Risk & Tax Mitigation included in their investment management and financial planning.
let’s invest in your future
Investment Management
“I want you to professionally manage my investments for me.”
Portfolios with Objectives
0.75%-1.00% AUM*
Strictly Investment Management
Investment management can be a stand-alone service, or included in our Personal Wealth and Business Wealth services.
What you get with Investment Management:
✓ We manage your stocks, bonds, funds, HYSAs, Alts, and select private market deals.
✓ Reduced investment management fee of 0.75% AUM for Clients with $1m+ AUM with OIC Financial.
✓ Portfolios for your feeling about risk: Very Cautious, Cautious, Moderate, Aggressive, and Very Aggressive.
✓ Portfolios with special objectives: Value, Growth, Dividends, Thematic, Pre/Retirement.
✓ Asset suitability, allocation, path, sector, risk, and concentration analysis.
✓ Held-away asset analysis, such as real estate, crypto, insurance, and pensions.
✓ Get a free Portfolio Checkup for one held-away portfolio per year. Great for held-away 401(k)s.
*Investment Management Clients with $1m+ AUM with OIC Financial receive a reduced AUM fee of 0.75%.
Dazzle and/or overwhelm me a bit with additional information, please.
Asset types we support:
- Traditional assets
- Alternative assets
- Real estate funds
- Crypto funds
- Private deals
Account types we support:
- Roth IRAs
- Rollover IRAs
- Traditional IRAs
- Back-door IRAs
- Retirement Trust
- Beneficiary IRAs
- Beneficiary Roth IRAs
- High yield cash accounts
- Joint brokerage accounts
- Trust brokerage accounts
- Individual brokerage accounts
Accounts for children we support:
- UTMAs
- UGMAs
- Minor IRAs
- Minor Roth IRAs
Business investment accounts we support:
- SEP IRAs
- SIMPLE IRAs
- Solo 401(k)s
- Roth Solo 401(k)s
- Partnership accounts
- Sole Proprietorship accounts
- LLC, C Corp, S Corp accounts
- Non Profit Organization accounts
Included beneficial services:
- Tax-loss harvesting
- TSP to IRA rollovers
- 401(k) to IRA rollovers
- In-Plan Roth conversions
- IRA to Roth IRA conversions
- TSP to Roth IRA conversions
- Back-door Roth conversions
- Mega backdoor Roth conversions
- SIMPLE to Roth IRA conversions
- 401(k) to Roth IRA conversions
- SEP to Roth IRA conversions
- 529 to Roth IRA transfers
SERIOUS QUESTION
How many financial advisors can actually say this?
“Advisors should be willing to put their money where they invest their Client’s money, like I do.”
– Matt Oberdorfer, OIC Financial advisor and owner on investing in the same portfolio holdings as Clients
Let’s do some financial planning
Personal Wealth
“I need a Financial Action Plan that puts my Money on a Mission.”
Money on a Mission.
$3000/yr and up*
Flat-Fee Financial Planning
No charge for Investment Management
What you get with Personal Wealth:
✓ A personalized, comprehensive, massive financial plan that uses priorities and goals, gives every dollar a mission, gets updated annually, and is sure to bore your socks off.
✓ A Financial Action Plan with Next Steps for you to complete like a checklist, delivered quarterly!
✓ Investment management is included for free (“0% AUM”).
✓ Quarterly meetings so you can keep your finances on-mission.
✓ Tax strategy and planning, including 3 years of past tax review to check for potential missed opportunities.
✓ Insurance review and planning.
✓ Free real estate advice and planning.
✓ Balance sheet and cashflow planning.
✓ Equity, savings, cash burn, debt, liquidity, qualified investments, and FI advice and planning.
✓ Stock comp, education, student loans, 529s, and debt advice and planning.
✓ Estate planning, including Will, POA, Health Care Proxy, Beneficiary, and Living Trust planning.
✓ Retirement / Financial Independence (including stress testing, future cashflows, Social Security, and Medicare) advice and planning.
*Financial planning is a flat fee. Fees are based on complexity. There is no fee to manage your investments when you are a financial planning Client. For example, a $500,000 portfolio at 1% AUM would cost you $5,000 per year, but it’s included free with your Financial Planning.
This is next-gen fiduciary advice at wOrk
Advice aligned with your mission — not your assets
“Our flat-fee structure means planning is done in your best interest—even if it means directing assets away from us.”
– Matt Oberdorfer, OIC Financial advisor and owner on being a next-gen advisor not charging planning Clients AUM fees for investment management.
Let’s talk details
Your service calendar
After onboarding, we move into your service calendar — designed to keep every dollar on a mission and at a tempo you can actually sustain.
Personal Wealth services are shown in tan.
I was dazzled by that picture, but I’m more of a reader
Q1 — Start off the year with an updated mission.
Personal Wealth
1. Insurance review & planning
2. Tax strategy & planning
3. Investment review & planning
4. Personal Action Plan with Next Steps
Business Wealth
Details shown in the next step
Q2 — Build momentum and make some adjustments.
Personal Wealth
1. Financial Fitness progress & planning
2. Cashflow & Debt strategy & planning
3. Personal Action Plan with Next Steps
Business Wealth
Details shown in the next step
Q3 — Keep a great year of missions going.
Personal Wealth
1. Investment review & planning
2. Alts & Real Estate review & planning
3. Personal Action Plan with Next Steps
Business Wealth
Details shown in the next step
Q4 — Finish the year and its missions strong.
Personal Wealth
1. Charitable Giving planning
2. Estate review & planning
3. Personal Action Plan with Next Steps
Business Wealth
Details shown in the next step
Business owners, keep on rollin’.
you have unique needs.
Next Step → Services for Business Owners
Keep moving forward with purpose—tap the button below to kick the tires and light the fires!
Not a Business Owner? Skip that step and continue here to setup a Discovery Meeting about Investment Management and/or Personal Wealth financial planning and Action Plans with Next Steps.
Contact Us to Start Your Money Mission.