OAM understands that every client has a unique set of circumstances, so the portfolios and strategies we generate for our clients reflect those varying needs. Some clients are families with assets to be conserved and enhanced. Others are entering retirement and want to convert a lifetime of saving into a sustainable income stream. We will tailor your financial plan to your objective, whether it is for growth-oriented total return, current income, or somewhere in-between.
Since appropriate and realistic investment goals must be defined before management begins, we do something a little bit differently than other advisor firms. Before we begin a formal relationship, OAM develops a comprehensive financial plan based on all of your goals and objectives, one that reflects your financial needs and tolerance for risk. Once objectives are established and a framework laid out, you can then decide whether to move forward. Of course, the test of fulfillment is time: Consistent results evolve when portfolio themes are permitted to mature.
As ”Registered Investment Advisors” (RIA) under the Investment Advisors Act of 1940, we are fiduciaries. This requires us to follow the “trust” standard—the highest standard of care between an advisor and client. As fiduciaries, we must place the interests of our clients ahead of our own, act at all times for our clients’ sole benefits and interests, and fulfill critical fiduciary duties of trust and confidence. We must provide our “best advice” to clients. A non-fiduciary stockbroker must only follow a “suitability” standard that doesn’t require him or her to place the clients’ interests first.