What We Do
Oliver Capital Management, Inc. is a Comprehensive
Wealth Management (CWM) firm that focuses on both the asset and
liability side of each client’s personal balance sheet.
The first step, and a very important one, is gathering all relevant
information about your personal financial situation, goals and risk
tolerances using our proprietary Comprehensive Wealth Management Questionnaire.
After thoroughly reviewing this information, clients receive a formal
Comprehensive Wealth Management Analysis in writing. This document
outlines the recommended strategy and solutions that best position
them to achieve their stated financial goals. For every private client,
it serves as the primary road map to achieving their clearly defined
financial goals and objectives, is referred to often and updated as
needed.
Comprehensive Wealth Management (CWM) is the next generation of managing
and investing client assets. CWM addresses retirement and education
planning, appropriate asset allocation models, tax mitigation
strategies, estate planning techniques and adequate life and
disability insurance coverages. Our proprietary
Comprehensive Wealth Management system hones in on the weaknesses
and deficiencies in one's overall financial plan and takes it
one step further by providing time-tested, rational, well thought
out solutions.
We employ Modern Portfolio theory in addition to optimal
asset allocation, striving to place clients optimally along the Efficient Frontier (a
nobel prize winning theory in economics), in an attempt to give our clients the maximum potential return given our proposed asset
allocation model (i.e. Large Cap Growth, Mid Cap Value, Small Cap Core,
Fixed Income, International, etc.) with
the least
amount of risk.
The appropriate mix of asset classes are purchased within client portfolios and then monitored closely going forward, in-line with our chosen strategy for principal
growth, income
protection and liquidity. Should your goals or needs change,
or economic conditions dictate, the chosen strategy and investment
mix may be adjusted
accordingly. You may retain control and be as involved as you
like with investment decisions or not at all.
In addition to these powerful, time-honored strategies, the current
investment climate demands that we offer additional value.
- We strive
to identify and reduce or eliminate unnecessary taxes.
- We develop
employee stock-option exercise and financing strategies.
- We
create liquidity
for illiquid estates, structure asset equalization
amongst heirs, and examine charitable-giving strategies as one means
of leaving legacies.
- We also help develop processes to facilitate co-operation
for asset allocation amongst heirs.
Depending upon your situation, specific areas
of focus may include: Taxes, Legacy
Structure, Liability.
We understand the complexities of planning
for the future. We also realize that any long-term financial plan must be flexible enough
to adapt sometimes volatile market conditions. Our wealth management
strategies are designed to ensure effective responses to unforeseen
issues and provide the assistance with short-term course corrections
that fit within your overall wealth management strategy. We provide the financial expertise, framework
and discipline necessary to help you achieve your stated financial and investment goals along with the peace of mind you desire.
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