You probably have more wealth than you know, and it needs management.
Whether you have $50,000 or $50,000,000, Financial Life Advisors will seek to help you determine the best, most effective course of action to protect it, grow it, or both. In order to provide comprehensive and coordinated wealth management, we work collaboratively with Jim Oliver and Associates. Both companies were founded and are managed by Jim Oliver. When Team Oliver is referenced, the services listed could include either company (or most likely both) in providing wealth management services.
Asset protection planning involves evaluating and applying a lawful series of techniques that protect your assets from claims of future creditors. The techniques are designed to deter potential creditors from going after specific assets—and frustrating creditors should they try.
For more than two centuries, Americans have been dedicating their resources to help better others. Today, contributions are more than $250 billion each year. Many start giving because of tax benefits but then discover the personal satisfaction which only philanthropy can provide.
College Funding/529 Plans
College savings plans allow individuals to contribute to an account to pay a beneficiary’s qualified higher education expenses, such as tuition, fees, books, supplies, and room and board.
This planning area requires a special sensitivity to the dynamics of your family, finances, business, lifestyle, and goals. We routinely visit with you to help identify and clarify your goals and explain strategies.
401 (k) or 403(b) Review
We now offer a 401(k) Portfolio Review service for clients. This program is designed for investors who have a limited company-selected menu of fund choices and would like some investment advice or reassurance.
Annuities and CDs serve many useful purposes, but it’s good practice to review your annuity and CD investments periodically to make sure they are still serving their intended purposes.
Debt Reduction Strategies
Getting into debt these days has become very easy. We’ll work with you to assess your debt and help you plan and implement a strategy to bring it back to a manageable level. There are several strategies for getting out of debt, and while all of them have their own merits, they have their drawbacks as well. Which one is right for you?
Family Limited Partnership
A Family Limited Partnership (FLP) is the same as a traditional business limited partnership, except is structured to manage and hold assets of a family.
• Property & Casualty
• Disability / Life
• Long Term Care
Individual investors each have their own diverse investment strategy, yet all investors share the primary goal of achieving superior investment performance.
Today, every American must assume responsibility for developing a personal retirement plan. So for most of us, retirement is something we must actively plan for and save towards.
Almost everyone will receive Social Security benefits during their lifetimes. Social Security does more than provide a supplemental retirement income.
Financial planning is the process of thoughtfully managing your resources so that you can achieve your dreams and goals — while at the same time helping you negotiate the financial barriers that inevitably arise in every stage of life.
Private foundations are generally founded by an individual, a family or a group of individuals, and are organized either as a nonprofit corporation or as a charitable trust. Families sometimes use a family foundation as a forum in which family members can work toward common goals, or as a way to instill the value of charitable giving in future generations of the family.
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.