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Financial Life Advisors will look at your unique situation and guide you through both tax and investment decisions!
Comprehensive Financial Planning
Traditionally, individuals have been on their own to coordinate among their insurance agent, broker, attorney, and tax professional. Too often, these professionals are unaware of the “whole picture” or do not understand how their actions can complicate other aspects of your financial life.
Financial Life Advisors will serve as your personal financial advocate, coordinating, integrating, and evaluating your entire financial life. Together, we can simplify the process of managing life’s various and complex financial decisions. We delve into personal goals and values before ever making recommendations to clients. The planning process quantifies the likelihood of reaching your goals and provides valuable tools, where needed, to modify your plans to meet your goals.
Financial Life Advisors—financial planners first, investment advisors second.
Tax Expertise
Financial Life Advisors was born out of Jim Oliver’s CPA practice. Jim Oliver and Associates have been providing tax advice and services since 1981. This strong tax background may be distinct advantage for Financial Life Advisor’s clients.
An often overlooked and misunderstood area for investment advisors is tax law and tax planning. Financial Life Advisors always considers tax consequences when giving advice. From the types of investments held in qualified vs. non-qualified accounts to business entity formation and estate tax implications. Using our complete team’s service helps simplify the wealth building and wealth management process.
Investment perspective
You have too much risk with so much of your net worth in just one stock, you need to diversify. Your investments are under performing, and you should switch to a different money manager who has consistently beat the market.
Accounting perspective
Do not sell your company stock or stock options. You will incur large capital gain taxes. If you sell your current investments, you will incur taxes and pay transaction costs.
What makes us different
Both of the perspectives above are correct. We look at you current and projected taxes. We balance this against your retirement goals and other investments.
Money managers often times charge high fees and do not always beat the market. When you consider capital gains tax and management fees, it is difficult to come out ahead with frequent trading. On the other hand, tax considerations are not the only reason to make investment decisions.
Independence
Have you ever wondered why someone recommended a particular insurance company or investment? Investment and insurance brokers are often limited in what they can offer. The may also receive different compensation based upon what they sell you. Financial Life Advisors is not owned or controlled by any insurance or investment company. As we are independent from the pressures of selling particular products or services, it is our goal to provide you with objective advice and to only recommend products, services, and strategies which are most appropriate for you.
Team Approach
The traditional broker-client relationship is a one on one relationship. Financial Life Advisors believes that a team approach is much more effective for dispensing sound financial advice. Each team member brings a unique perspective and experience to the table when dealing with complex situations. Through this dialogue and conference, specific strategies and consensus emerge.
In addition to the benefits of greater perspective, the team approach ensures that clients are not left with only one person who is familiar with your situation. You can rest assured that someone on the team is always available to answer your questions. Our team always strives to deliver the very best customer experience to you, it is our pleasure to serve you.
This firm is not a CPA firm.
Financial Life Advisors (FLA), a Registered Investment Adviser, and Jim Oliver & Associates, P.C. (JOA) are under common ownership and control. Team Oliver is used to describe collaborative services of both firms. Professional tax services are provided by JOA and investment advisory services are provided by FLA, each under separate agreements.
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