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Owl & Ore works with familes to help solve financial issues related to:
Incentive Stock Options
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Creating an exercise and selling schedule
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Qualifying dispositions
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Private vs public ISOs
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Alternative Minimum Taxes
Non-Qualified Stock Options
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Exercising considerations
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Effects on ordinary income taxes, social security taxes and medicare
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Holding strategies after exercise
Restricted Stock Units
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Treatment as income or an investment
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Private RSUs, single and double trigger events
Employee Stock Purchasing Plans
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Enrollment, offering and purchase periods
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Discount element
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Lookback features
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Qualifying dispositions
Stock Appreciation Rights & Phantom Stock
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Stock appreciation versus stock value
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Timing of exercise and resulting taxation creation
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Choosing between SARs and RSUs.
Financial PlanninG Strategies
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Cash flow strategies: Understanding how to project future income estimates and saving for financial goals
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Personal and asset protection: Life, disability, home and auto insurance review and strategies.
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Investment management: Risk tolerance assessment, investment and tax strategies and portfolio design.
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Tax planning: Understanding current and future tax liabilities and creating tax efficient income sources. Qualified vs Non-qualifed dispositions. 83(b) elections considerations.
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Financial goal planning: Home purchase, education planning, retirement planning.
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Estate planning and gifting
It's your money, learn it and earn it!
*Owl & Ore will take on non-equity compensation cases in special instances
*Owl & Ore does not provide tax filing services
The Financial Planning Process
1
DISCOVERY MEETING
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Discuss & prioritize your financial goals and concerns
- Understanding of what finances mean to you
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Learn how financial planning plays a role in reaching your goals
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Discuss your financial goals and concerns
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Prioritize your goals
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Develop an understanding of what finances mean to you
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Learn how financial planning plays a role in reaching your goals
3
sTRATEGY dEVELOPMENT
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Discuss solutions to financial shortfalls and relevant tasks needed to reach a satisfactory result
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Collaborate to determine the most comfortable methods to complete financial tasks
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Determine the roles and tasks the client(s) and the advisor will take to accomplish the financial plan
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Discuss your financial goals and concerns
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Prioritize your goals
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Develop an understanding of what finances mean to you
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Learn how financial planning plays a role in reaching your goals
2
dATA
gATHERING
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Review your financial position and financial resources
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Quantify your financial goals and future outlook
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Discover areas of shortcomings and opportunities
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Discuss your financial goals and concerns
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Prioritize your goals
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Develop an understanding of what finances mean to you
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Learn how financial planning plays a role in reaching your goals
4
pLAN
iMPLEMENTATION
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Utilize Advisor's knowledge and resources to understand options and allow for easy decision making
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Complete financial tasks as a team to make the process simple and streamlined.
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Regular meetings to review strategies and be proactive when making necessary changes.
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Discuss your financial goals and concerns
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Prioritize your goals
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Develop an understanding of what finances mean to you
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Learn how financial planning plays a role in reaching your goals
Simple Fee structure for services.
Clients choose one of two methods of payment for advice.
ASSETS UNDER MANAGEMENT
Services can include having assets be managed by an advisor for a fee based on a percentage of the account balance paid directly from the account.*
*Minimum of $500,000 aggregate in assets required for management services. Fees are negotiable.
PLANNING
FEE
In lieu of AUM fees, advisors can be retained for one year of service, paying an up front annual fee or an ongoing monthly fee.*
*Planning fees are based on clients' net worth and complexity of the case. Fees are negotiable.
*Fees and a description of services can be found in the firm ADV Part II link below..
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