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Read more During our introduction meeting we’ll review our process, identify the appropriate service model, and determine the next steps.
Read more You’ve decided to become a client of Crystal Oak, we’ll review your current financial situation, discuss your goals, and provide you with our client onboarding paperwork.
Read more We’ll review the strategic plan we create for you. We’ll determine your risk tolerance. Lastly we will schedule our first Strategy Meeting together.
Read more We will explain our investment philosophy as well as provide you with our investment recommendations.
Read more Each strategy meeting should be considered as an accountability check-in. These meetings will consist discussion about timely topics of your financial plan, reviews of your portfolio performance, and progress towards your financial goals.
Read more Determining the next best use case for income earned can be overwhelming. We believe in creating a system to maintain comfort but establishing accountability to achieve your long-term goals is tantamount.
Read more Every financial decision made has a subsequent tax impact. We believe in regular reviews of your tax situation as well as working with your other tax advisors to help minimize your tax liabilities.
Read more Understanding the risks associated with one’s financial life is important. We believe clients should intentionally decide on if they should self-insure or obtain an insurance policy to cover their risks.
Read more Developing an estate plan can be a draining process because of how heavy the discussions can be. We believe it’s important to collaborate with you and your estate planning attorney to help alleviate the burden those conversations may have.
Read more Creating a strategy to help maintain, diversify, or exit your equity position can be confusing with different tax-impacts and possible black-out periods. We believe developing a strategy for your equity compensation is vital to the success of your financial plan.
Read more We believe clients that are interested in paying for their family members college educations should create a strategy that provides flexibility for the student and doesn’t impact the integrity of the client’s overall financial plan.
Read more Deciding when to take your social security benefits is not just math problem that needs to be solved. We believe a client’s decision to take their social security benefits can, and should be, influenced by more than just the “science” side of financial planning.
Read more Running a small business often means you stick with what your familiar with. However, we believe it’s essential to weigh the benefits of what’s familiar against the potential advantages of what else is available.
Read more Between now and your targeted retirement date there are strategies to consider and discussions to have so you can retire with confidence. We believe all retirees, should have a conversation around liquidity needs, lifestyle changes, and healthcare.
Read more We believe there is good debt and bad debt, creating and maintaining a plan to pay down both kinds of debt are essential to improve your financial situation.
Read more Asset allocation and asset location are the foundation for a quality investment strategy. We believe a client’s investment plan should be dictated by their time horizon, risk capacity, & risk willingness.
Read more We believe an efficient investment strategy considers both the yield, or income, earned as well as the taxes associated.
Read more Within the last 5 years congress has approved new benefits employers can provide their employees. We believe proper utilization of your employee benefits can improve your overall financial plan.
Read more Post-secondary school education can result in large amounts of student loan debt. Whether you’re an aspiring doctor, attorney, or just looking to improve your resume, we believe it’s important to evaluate your loan re-payment options regularly.
Read more At times, social security and pension income aren’t enough to maintain your current lifestyle. We believe having a strategic plan for those cash flow needs can extend the longevity of your assets.
Read more Securing your legacy can be accomplished in various ways. We believe it’s vital to engage the next generation early on to ensure your legacy aspirations are realized.
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