|
We provide financial planning and investment management to help you achieve the lifestyle you envision.
Our Wealth Planning Review process addresses all of life’s needs including retirement, investments, taxes, estate, and insurance. We adhere to a Fiduciary standard of practice, ensuring that the only advice we give is what serves our clients' best interests. Located in Bloomfield Hills, Michigan we serve clients locally and nationwide*. |
|
|
Daniel Shub, AIF® | RFC®Wealth Advisor & Founder
Welcome! I was born and grew up in Ukraine, which, at the time, was still part of the Soviet Union. In April of 1994, my family and I were granted refugee visas and with the help of JFS, emigrated to the United States and found our new home in Michigan. I started my career in the financial services in 1998 working for one of the largest Fortune 500 companies, and several years later, I launched OCTO Capital.
We are a team of Fiduciary investment and financial planning professionals working with our clients, on the same side of the table. We help our clients to not only build and preserve their wealth, but also solve complex financial planning issues. My approach to helping clients has been highlighted in Forbes, Bloomberg Businessweek, CNBC, Market Watch, Yahoo Finance, and many ABC, NBC, CBS, FOX affiliates across the country. Along with being a contributor to Kiplinger.com, I am also the author of “Simple Steps to Wealth in Retirement”. I hold the Registered Financial Consultant® designation, attained the Accredited Investment Fiduciary® (AIF®) credential, passed the Series 65 and 63 securities exam and hold an Insurance license. When I’m not perfecting financial plans and investment strategies, you can find me with my wife and two sons (10 and 2 years old), at soccer games and on the tennis court, exploring art, reading, or just spending time together in our home in Franklin, Michigan. |
|
Alicia DionFinancial Advisor
I started my career at OCTO Capital as an Office Manager and Marketing Associate. After learning first-hand about the importance of financial planning and investment strategies, I became inspired to become a Financial Advisor. I now hold an insurance license and have passed the Series 65 exam.
Part of my role includes advising clients on Medicare and Medicare Supplements. Since planning for healthcare costs is a crucial part of retirement, I enjoy providing education and insight into this aspect of clients' lives. I was born and raised in Michigan, but before starting in the financial industry I lived outside of the U.S for six years. I completed my Bachelor’s degree in Shanghai, China, and Huddersfield, England, and then spent 18 months living out of a backpack all over Australia, Southeast Asia, and Europe. My primary aspiration as a Financial Advisor is to help people better understand and position their finances to achieve their goals. I work with clients of all ages and incomes but specialize in planning for generations X, Y, and entrepreneurs. To learn more, visit my website, Friend of Finance. If you feel like my services can benefit you, I look forward to talking! |
Dimensional Fund Advisors (DFA) and OCTO Capital
|
|
Our firm has established a relationship with Dimensional Fund Advisors (DFA), an investment management firm based in Austin, TX with offices across the globe.
Established in 1981, Dimensional and its affiliates manage approximately $576 billion in assets globally as of March 31, 2019, and offer funds to individual investors through a select network of fee-only financial advisors. |
DFA maintains close links with the University of Chicago and other research centers for financial economics. Board members and consultants include some of the nation’s most distinguished academic theorists and Nobel laureates, including Eugene Fama, Kenneth French, Roger Ibbotson, Donald Keim, Merton Miller, and Myron Scholes.
We strongly believe this relationship can help address your financial objectives and help you pursue an even more successful investment experience. One of our explicit goals is to assist clients in achieving outstanding investment results using disciplined, well-established practices. Dimensional strategies are grounded in the research of leading financial economists. The firm's broadly diversified portfolios, consistent investment approach, and trading expertise seek to provide low expenses and turnover.
In its ongoing effort to maintain the low expense characteristic of institutional mutual funds, Dimensional requires us to place client trades through one of several firms (e.g. TD Ameritrade Institutional) who maintain an “omnibus” account relationship with Dimensional and aggregate buy and sell orders on a daily basis. By adhering to this approach, we are able to purchase fund shares in amounts as small as $2,500, versus DFA’s published minimum of $2,000,000.
We receive no compensation from Dimensional.
We strongly believe this relationship can help address your financial objectives and help you pursue an even more successful investment experience. One of our explicit goals is to assist clients in achieving outstanding investment results using disciplined, well-established practices. Dimensional strategies are grounded in the research of leading financial economists. The firm's broadly diversified portfolios, consistent investment approach, and trading expertise seek to provide low expenses and turnover.
In its ongoing effort to maintain the low expense characteristic of institutional mutual funds, Dimensional requires us to place client trades through one of several firms (e.g. TD Ameritrade Institutional) who maintain an “omnibus” account relationship with Dimensional and aggregate buy and sell orders on a daily basis. By adhering to this approach, we are able to purchase fund shares in amounts as small as $2,500, versus DFA’s published minimum of $2,000,000.
We receive no compensation from Dimensional.
TD Ameritrade and OCTO Capital
|
Today, TD Ameritrade provides investing and trading services for 11 million client accounts that total more than $1 trillion in assets, and custodial services for more than 6,000 independent registered investment advisors. With clients placing, on average, approximately 500,000 trades each day.
OCTO Capital client accounts are held at TD Ameritrade Institutional in the client’s name. We do not aggregate accounts or holdings. Clients have full control over their accounts, access to TD Ameritrade via web or phone directly, and they receive monthly statements directly from TD Ameritrade. |
As a custodian, independent of OCTO Capital, TD Ameritrade is responsible for safekeeping the accounts. At any time, clients are free to terminate our advisory relationship and they can transfer the accounts to a self-managed platform at TD Ameritrade or any other financial institution. While we’re managing the accounts, our authority is limited to placing trades in the account to buy or sell the portfolios we agreed upon in writing and submit advisory fee invoices to TD Ameritrade to be paid directly from the accounts managed.