Individuals and Families.
We all face many questions when managing our financial affairs. Many times, though, it is what we don’t know to look out for that ends up creating the most problems. We help you answer your questions and anticipate those that you will face.
- Can I afford to retire now? In 10 or 20 years?
- Retirement planning provides insight into how much income you will have to live off and how long your assets will last—while keeping other financial goals in mind. When should you start taking withdrawals? What is the appropriate amount of these withdrawals? What returns do you need to earn in order to continue your existing lifestyle throughout your retirement years? How will your required minimum distributions work? When should I start taking Social Security?
- How do I know that my investments are performing like they should?
- What do I need to do to get my financial life in order?
- How can I save money on taxes?
- What is the best way for me to give to charity?
- Should I invest in my 401k or pay down my mortgage?
- How do my employer stock options fit into my financial plan?
By working with you through various stages of your working life, transition from work to retirement, and during retirement, we seek to provide the confidence to keep you on track. By better understanding your family and your goals, we can help you find balance between stewardship of others and providing for your own needs. Let us help you achieve the most sought-after state on your journey: peace of mind.
Services.
All included with the fee described below
- Portfolio of investments in line with your goals and risk profile, incorporating advanced tax management techniques
- Low-cost, tax-conscious investment methodology implemented using mutual funds and ETFs from Dimensional Fund Advisors
- Strategic placement of asset classes across your household's accounts to optimize tax efficiency
- Monitoring for rebalancing and tax loss harvesting opportunities
- Proactive guidance on all financial matters
- Financial Plan including:
- Comprehensive modeling of your net worth to provide you with a framework for quantifying financial decisions
- Cash flow analysis
- Detailed analysis of the current year's tax returns and future projections, focusing on tax-saving opportunities
- Proper coordination of all income sources in retirement
- Focus on maximizing your retirement income with dynamic withdrawal strategies
- Coordination with the tax accountant and estate attorney
- Review of your plan - quarterly, semi-annually, or annually, depending on your preferences
- Timely unlimited communications via phone, email, in-office meetings, and web conferences
Your Experience.
We'll begin with the planning process. Below are a few samples of what the planning would look like.
Cash-flow projections
Tax Planning
Estate Planning
After we complete the initial planing process, we will handle the investment management, including rebalancing, tax-loss harvesting, withdrawals, and all other related elements.
We will meet regularly to revisit your financial plan and make adjustments as needed, considering changes in your circumstances, tax rules, regulations, and other factors that may affect your long-term plan.
Access
In addition to having access to your accounts at TD Ameritrade via the website and an 800 number, we will provide you with access to a Financial Planning Portal where you can monitor the progress toward achieving your goals and a Client Portal to view the performance of your accounts.
Although our advisory fees are lower than traditional providers for many of my clients, we do not limit client interactions. We're always available to our clients via phone, email, in-office meetings, and web conferences.
Custody
All your accounts are controlled by you and held in your name by an independent custodian, TD Ameritrade Institutional. We receive no compensation from them. TD Ameritrade will provide you with monthly statements and annual tax reports. You can check your portfolio 24/7 on their website or call them during business hours. Octo Capital will have a limited power of attorney to execute transactions on your behalf.
Click here for more information about TD Ameritrade.
Cash-flow projections
Tax Planning
Estate Planning
After we complete the initial planing process, we will handle the investment management, including rebalancing, tax-loss harvesting, withdrawals, and all other related elements.
We will meet regularly to revisit your financial plan and make adjustments as needed, considering changes in your circumstances, tax rules, regulations, and other factors that may affect your long-term plan.
Access
In addition to having access to your accounts at TD Ameritrade via the website and an 800 number, we will provide you with access to a Financial Planning Portal where you can monitor the progress toward achieving your goals and a Client Portal to view the performance of your accounts.
Although our advisory fees are lower than traditional providers for many of my clients, we do not limit client interactions. We're always available to our clients via phone, email, in-office meetings, and web conferences.
Custody
All your accounts are controlled by you and held in your name by an independent custodian, TD Ameritrade Institutional. We receive no compensation from them. TD Ameritrade will provide you with monthly statements and annual tax reports. You can check your portfolio 24/7 on their website or call them during business hours. Octo Capital will have a limited power of attorney to execute transactions on your behalf.
Click here for more information about TD Ameritrade.
Pricing.
OCTO Capital is a fee-only advisor and receives no compensation other than our completely transparent, quarterly fees from our clients. In other words, we do not receive commissions, performance fees, or kickbacks from fund companies and do not engage in excessive trading or sell proprietary products.
Our compensation philosophy is a function of our advice-centric business model. This is an important distinction when comparing to firms that follow an asset-centric or asset-gathering model.
We charge a flat fixed retainer fee for a combined Investment and Financial Advisory service. A percentage of portfolio size does not apply. The fee generally ranges between $4,000 and $12,000 per year depending on the scope of the services provided, complexity, time involvement, number and type of accounts, number of objectives, number of individuals, ongoing administrative needs, and/or other miscellaneous requirements. In the situation where a flat retainer is not in the best interest of the client, we may charge the advisory fee based on a percentage of assets under management ("AUM"), equal to 1.00% per annum on the first $1 Million of AUM, and 0% on AUM above $1 Million.
The fees are deducted quarterly from the accounts managed on your behalf.
Changing up the conversation about fees, we'll work together only if the value we provide is worth some multiple of the fee being charged.
Our compensation philosophy is a function of our advice-centric business model. This is an important distinction when comparing to firms that follow an asset-centric or asset-gathering model.
We charge a flat fixed retainer fee for a combined Investment and Financial Advisory service. A percentage of portfolio size does not apply. The fee generally ranges between $4,000 and $12,000 per year depending on the scope of the services provided, complexity, time involvement, number and type of accounts, number of objectives, number of individuals, ongoing administrative needs, and/or other miscellaneous requirements. In the situation where a flat retainer is not in the best interest of the client, we may charge the advisory fee based on a percentage of assets under management ("AUM"), equal to 1.00% per annum on the first $1 Million of AUM, and 0% on AUM above $1 Million.
The fees are deducted quarterly from the accounts managed on your behalf.
Changing up the conversation about fees, we'll work together only if the value we provide is worth some multiple of the fee being charged.
