Securities and Investment Advisory Services
Performance and preservation during a down market can be as critical as capturing potential gain during an up market. Many investors focus only on return with little understanding or concern for investment risk. Investment decisions are based on careful consideration to suitability and aligning goals with the best and most appropriate investment vehicles. Our investment choices are based on deliberate research, tracking performance over time, considering PE rations to yields, along with the tax treatment of certain investments. As an independent, financial services firm, OIG takes a conservative approach to investing through establishing a solid foundation for a portfolio by asking questions, listening carefully to answers, and allocating appropriately to meet the client’s needs.
Retirement and Income Planning
Most of us look forward to retirement as a time of leisure and an opportunity to pursue various interests, and ensuring that a nest egg can provide clients with their desired lifestyle requires critical planning. Advances in medical care and technology have benefitted many Americans with longer, happier, and more comfortable later years, but longevity and inflation, especially in down markets, are a concern. It is necessary to have well balanced portfolio that keeps up with progress and pace while seeking to capture gain, but also striving to mitigate exposure to loss during a down cycle. Our representatives have over 40 years of experience with sustaining market cycles and retirement planning, understanding that creating a reliable income stream in later years is just as important as accumulating gain during working years.
We provide retirement planning for both individuals and institutions, including IRAs, SEPs, SIMPLE plans, 401Ks, and profit sharing/cash balance plans.
Tax Advantaged Planning
It’s not how much you make, it’s how much you take home… At OIG, are financial professionals are firm believers in this simple theory and structure our portfolios accordingly. One reason for the inability to accumulate additional investment dollars, despite earning a high income, is the overpayment of taxes. Coordinating long-term investment objectives with a proper understanding of current and future tax burden is just as important as having access to the best investment vehicles. We believe in creating portfolios with a focus on tax deductible and tax deferred income as well as tax efficient and tax advantaged assets.
Estate and Trust Planning
Gifting to family members and charitable organizations during one’s lifetime is just as important as leaving a lasting legacy after one is gone. For both individuals and families, trusts can be a viable factor for gifting and succession planning. We work in tandem with estate attorneys and CPAs to look to create an optimal plan for estate allocation and preservation as well as small business succession planning.
Investing in securities involves risk of loss. Further, depending on the different types of investments there may be varying degrees of risk. Clients and prospective clients should be prepared to bear investment loss including loss of original principal.